Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/2024 ] [ Consumer Financial Protection Bureau ] [ Consumer Response Center ] [ XXXX XXXX XXXX XXXX XXXX [ Washington , DC XXXX ] Subject : Complaint and Dispute Regarding Violations of Consumer Laws by LVNV Funding LLC Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding the actions of LVNV Funding LLC , a collection agency, which I believe are in violation of multiple consumer protection laws. I request that LVNV Funding LLC cease all communication with me via email, text, and phone calls until the matters outlined below are resolved. 

1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Proof of Agreement LVNV Funding LLC has failed to provide me with adequate proof of any agreement or contract between myself and the original creditors associated with the debts they are attempting to collect. Per 12 CFR 1006.34 ( b ) ( 5 ), consumers are entitled to receive this information upon request, and LVNV Funding LLCs failure to provide such documentation is a violation of my rights under this regulation.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : Failure to Provide Debt Validation I have formally requested debt validation from LVNV Funding LLC in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). However, to date, they have not provided me with the necessary documentation to verify the validity and accuracy of the debts they are attempting to collect. This failure to comply with the law further compounds their violations of consumer protection regulations.

3. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) : Harassment and Misleading Communication LVNV Funding LLCs continued attempts to contact me via email, text messages, and phone calls despite my request for communication to cease constitutes harassment under 12 CFR 1006.34 ( d ). Additionally, their failure to provide accurate and complete information about the debts in question, as required by 15 USC 1681-S 2 ( 7 ) ( A ), is misleading and deceptive.

Therefore, I request the following actions be taken : 1. LVNV Funding LLC must immediately cease all communication with me via email, text, and phone calls until they have provided adequate proof of agreement between myself and the original creditors, as well as the necessary debt validation documentation.

2. LVNV Funding LLC must provide me with written confirmation that they have ceased all collection activities until the requested documentation has been provided and verified.

3. LVNV Funding LLC must provide proof of compliance with all relevant consumer protection laws and regulations governing debt collection practices.

I appreciate your attention to this matter and request prompt investigation and resolution of these issues. Please inform me of any further actions I need to take or documentation I need to provide to support this complaint. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief