Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
So I made contact with LVNV funding/ XXXX XXXX XXXX. I requested validation of the debt asking for original documentation from the original creditor. I also requested a settlement on the debt. They refused to provide me validation of the debt asking me to explain what I was asking for particular. I did explain what I asked for particular we did come to an agreement on a settlement but unfortunately I felt the settlement was very excessive because of the circumstances that I had with the original creditor having to file a cfpb complaint as well as an attorney general complaint against the original creditor for fraudulent activities. When I discussed this with the third party agency lvnv funding XXXX XXXX XXXX they refused to settle for less stating this is what they're capable of doing. They were very aggressive, rude. I had to go through several different agents to get to a supervisor at XXXX moment. During a phone call the supervisor did hang up on me. I had to call back. I was talked to very rudely very aggressively. They made threats against my credit as well as threats to sue me for a {$380.00} debt which they are not attorneys to sue me for. I did explain to them under the fdcpa they are not to do that due to the fact that they are not attorneys and they do not know that this debt may end up in a lawsuit. I explained to them what had occurred with the original creditor and they decided to not agree to settle for less. I even asked them a question. Have they settled for less than 75 % with other customers regarding the same debt? They refuse to answer that question. They kept hanging up on me. Laughing at me being very harassing during the phone calls including the supervisors when all I was trying to do was resolve the debt before they placed it on my credit. They then told me that the debt will not be placed on my credit because of the time frame as well as how small the debt balance was. Next thing I know the debt was placed on my credit. I asked for a cease into sis. They told me that only lasts XXXX  days which is not true under the fdcpa. If I asked for a cease and to sis of all communication, they must abide by that they refuse to do so. Continue to send me emails after I asked for them not to communicate with me until they validated the debt which took them over XXXX  months to do so. They finally sent me information but it was not from the original creditor as I had requested now they had put a block on my phone to where I can not call or communicate with the collection agency to resolve the debt. So I don't know how I'm supposed to pay this debt to get it off of my credit if I'm unable to communicate with the collection agency who was attempting to collect on the debt and they are reporting to my credit which is damaged to my credit and they have threatened to damage my credit even further. I'm asking for some sort of resolution regarding this. Some third party mediator to handle the situation. I have been in touch with attorneys as well as I'm filing a cfpb complaint and an attorney general 's complaint and my understanding is XXXX XXXX XXXX is XXXX of the most aggressive collection agencies out there and they have the eighth most complaints under cfpb history. I believe they should be reprimanded under cfpb regulations. All I'm asking is for me to be able to resolve my debt at a reasonable amount. They're not willing to work with me and they are being threatening and harassing. Can you please help?

Company response to consumer: Closed with non-monetary relief