Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint against Resurgent Capital Services for deceptive " bait-and-switch '' settlement tactics and abusive collector conduct. 1. Technical Manipulation of Settlement Offer : On XX/XX/year> I was presented with a 50 % settlement offer of {$580.00} via the Resurgent online portal. I first attempted using 2 XXXX cards recieving an error XXXX. I tried using my XXXX Debit card and recieved the same error. Again, between XXXX XXXX and XXXX XXXX EST, I tried again using the same card and I successfully paid two other associated debts at the 50 % rate using my XXXX card. However, when I attempted to pay the third ( largest ) debt again, the website repeatedly generated a technical " error, '' despite the deadline being XXXX XXXX. My bank confirmed that Resurgent made no attempt to authorize the transaction. This appears to be a deliberate system block to void a high-value settlement. 2. Professional Misconduct and Harassment : When I called to resolve the error, a male Floor Manager ( Call Timestamp : XX/XX/year> between XXXX ) was extremely unprofessional. He mocked my financial situation and disparaged my use of XXXX and XXXX as " illegitimate '' payment methods, despite the company having just accepted them for two other payments. He gaslit my concerns by telling me I was " just upset '' and spoke over me repeatedly. 3. Refusal of Good-Faith Payment : The manager refused to honor the {$580.00} offer and insisted on a higher amount ( {$930.00} ) online, effectively using a system glitch to increase my debt by {$400.00}. When I mentioned filing a CFPB complaint, he responded with aggressive defiance, telling me to " take any action I felt like taking. '' When I pointed out the fact I was successfully able to use my debit card to settle 2 accounts on their portal yet not the 3rd despite me trying that account BEFORE I tried the other 2 and After. The manager told me im just upset the 3rd party vendor doesn't accept my forms of payment although they already did. I asked for the venders contact info and was met with aggression, rudeness and hostility. I was told I am not able to speak with them when I asked if he can so we can resolve and have the payment processed, he said no! I told him I dont have the XXXX and I only have just enough to settle at the agreed 50 % from yesterday being my bank isnt the one declining the transaction. He immediately kept speaking over me stating since 3 of my cards have been declined he can only give me the 50 % rate over the phone and I'm unauthorized to use any Debit cards. XXXX isnt accepted only online and he can only accept ACH with checking account and routing number over the phone. The manager refused both my accounts being they belonged to XXXX and XXXX which are my only methods to pay using an ACH check. He said the vendor wont accept them although they already did and wouldn't allow me to contact them nor would he do it himself to have the payment processed since they already processed 2 using the same debit card. Staying im banned from using my card when their website and or third party vendor is blocking only 1 payment is absurd.

Company response to consumer: Closed with explanation