Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was attempting to contact a creditor to initiate a monthly payment arrangement for collections accounts for two credit cards which debt had been transferred to LVNV FUNDING LLC as stated on my credit reports. No contact information was listed on credit report for LVNV FUNDING LLC which resulted in me personally searching XXXX for point of contact information. I went to Website listed for LVNV FUNDING LLC to review collections account information. No information was able to be viewed or obtained via website linked to company contact listing via XXXX. Telephone number listed for company customer service was XXXX. Contact company telephone number listed and spoke with agent named XXXX who stated he represented LVNV FUNDING LLC. After providing my full name, XXXX, and Last XXXX and providing mailing address, email and telephone number the agent stated that in order to be able to view payment arrangements for debts listed that I needed to pay XXXX XXXX processing fee to authorize STANDARD SCORE to charge bank account for him to obtain credit report to view collection to dispute reported information from my credit report and stated that there were inaccuracies with reported information to absolve debt before payment arrangements are made viewable to agent. The agent stated that my accounts were transferred to a legal firm they outsource collections to and was in process of court filings. I asked for legal firm name that was initiating the legal proceedings and agent did not provide information. After report was obtained by my bank card being charged XXXX by STANDARD SCORE company my bank sent text message to confirm I was authorizing transaction and from the company and for transaction amount listed. After confirming with my bank via text the agent sent a confirmation code to my phone and requested that I confirm XXXX code number for security purposes for my report to be obtained by agent. The whole matter is deceptive and is a way to avert being detected as a scam by solicition of personal identifying information and financial information falsely claiming to discuss monthly payment arrangements to resolve real debt accounts. agent used deception and stated that it would cost additional {$380.00} for a formal dispute to be filed on behalf of the XXXX accounts listed as collections owned by LVNV FUNDING LLC. I told the agent that Im not disputing validity of debt Im trying to establish a payment plan to resolve debt and agent kept reiterating the same information he provided saying that under federal law I have the right to dispute any inaccuracies reported on my credit report. After telling the agent acting on behalf of LVNV FUNDING LLC that I have multiple collections agencies Ive dealt with and Ive never had to provide all that information or for those purposes agent stated just to be able to discuss payment arrangement options to avoid court filings with the standard legal proceedings the agent just keep restating my federal right to dispute inaccuracies on credit report. I ended up getting off the phone with agent acting on behalf of LVNV FUNDING LLC and called another phone number listed on another site listed for company and spoke with a representative named XXXX from XXXX XXXX XXXX which was able to throughly provide information regarding actual collections accounts which originally were credit cards issued and serviced by XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX which are now legally owned by LVNV FUNDING LLC. I believe the first representative agent acting on behalf of LVNV funding LLC was fraudulent and also trying to offer services legitimately that are actually not being sought to be established when patrons are just trying to settle debts for collections accounts. I believe the agent and the website and phone number were not associated with the original legal debtor of collections accounts. I have contacted my banking institution to cancel my card to prevent any further charges but I wanted to report the matter because services are being solicited deceptively to people who have actual debt thats reported on credit reports by actual legally owned debt accounts by LVNV FUNDING LLC and then trying to state it is your legal right to dispute something you arent disputing but trying to financially resolve and obtaining personal and financial information that you do have to verify when speaking with actual account management companies handling your debts.

Company response to consumer: Closed with explanation