Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
SUBJECT : WILLFUL VIOLATIONS OF FCRA, FDCPA, REGULATION F, AND TEXAS DEBT COLLECTION ACT ON XXXX XXXX XXXXXXXX XXXX. ACCOUNT # XXXX - REPEATED INACCURATE REPORTING INCLUDING XX/XX/XXXXXXXX XXXX  FLAGGING AND ILLEGAL FEES ( ESCALATION OF CFPB # XXXX AND FTC # XXXX ) I. INTRODUCTION AND CASE CONTEXT ( UNDER XXXX XXXXXXXX ) This complaint, filed from XXXX escalates ongoing violations by Resurgent Capital Services XXXX ( XXXX LVNV Funding, LLC ) regarding my XXXX XXXX XXXX XXXX XXXX debt ( Account # XXXX ; Closed : XX/XX/XXXX ; XXXX XXXX XXXX : {$710.00} ). Despite prior notifications via certified mail, CFPB Complaint # XXXX, and FTC Report XXXX XXXX ( filed XX/XX/XXXX at XXXXXXXX XXXX  ), Resurgent/LVNV has repeatedly furnished inaccurate information, including flagging the account on XXXX on XX/XX/XXXX ( balance date XX/XX/XXXX ; amount {$710.00} ), and verifying it on XX/XX/XXXX. These actions violate federal laws ( FCRA, FDCPA, Regulation F ) and Texas statutes ( TDCA, Tex. Fin. Code 392 et seq. ; Civ. Prac. & Rem. Code 16.004 ), establishing a willful pattern of deceptive practices. XXXX 's strong consumer protections ( e.g., TDCA private right of action ) make these claims resistant to challenge, as supported by attached evidence. 

XXXX. SPECIFIC VIOLATIONS IN MY CASE - ILLEGAL FEES AND REPEATED INACCURATE REPORTING ON ACCOUNT # XXXX Resurgent/LVNV 's own Credit One statements for Account # XXXX prove the {$710.00} balance is inflated by {$210.00} in unauthorized fees on a closed account, violating Texas and federal law : Illegal Annual Fee ( {$95.00} ) : Charged XX/XX/XXXX, despite " CLOSED '' statusdeceptive and unauthorized ( violates TDCA 392.303 ( a ) ( 2 ) ; FDCPA 1692f ). 
Illegal Late Fees ( {$110.00} ) : Charged XXXX XXXX post-closure, not permitted by the XXXX XXXXXXXX agreement or Texas law ( TDCA 392.304 ( a ) ( 8 ) prohibits misrepresenting amounts ). 
They flagged this inaccurate balance as a collection on XXXX on XX/XX/XXXX ( post-FTC report ), and verified it on XX/XX/XXXX, failing reasonable investigation under FCRA 1681s-2 ( b ) and TDCA 392.301 ( a ) ( 8 ) ( per XXXX XXXX XXXX XXXX XXXX applied in Texas ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX ). This misrepresents the debt 's legal status ( FDCPA 1692e ). Resurgent/LVNV might claim fees are contractual, but Texas law and the statements prohibit post-closure charges, rendering this defense untenable. 
Evidence : Attached XXXX screenshots ( XX/XX/XXXX flagging and XX/XX/XXXX verification for Account # XXXX ), XXXX XXXX statements, FTC confirmation ( # XXXX ), and " Three Letters '' photo ( automated harassment at XXXXXXXX XXXX  on this account, proving systemic sloppiness under TDCA ). 

XXXX. SYSTEMATIC VIOLATIONS - REGULATION F AND TIME-BARRED DEBT FAILURES RELATED TO MY CASE ( TEXAS-SPECIFIC ) XXXX 's public policies exacerbate issues with Account # XXXX by omitting required disclosures, violating Regulation F ( 12 CFR 1006.26 ) and TDCA 392.304 ( a ) ( 19 ) ( deceptive omissions ). Under Texas Civ. Prac. & Rem. Code 16.004, the XXXX XXXX expires XX/XX/XXXX ( from closure/last activity ) not yet barred, but policies risk revival if payments are solicited without warnings : 1006.26 ( b/c ) - Non-Disclosures : No " we will not sue '' or revival warnings in letters or website, despite Texas XXXX risks ( violates TDCA 392.304 ( a ) ( 8 ) ).

1006.26 ( a ) - Threats : Terms & Conditions ' arbitration clause threatens action, illegal for potentially time-barred debts ( per XXXX v. XXXX XXXX 4th Cir. 2024 ; Texas precedent in Miller v. BAC Home XXXX XXXX, XXXX ). Resurgent/LVNV might claim no threat, but Texas courts view arbitration as coercive ( e.g., XXXX case XXXX. 
Broader Pattern : Website solicits payments without disclosures ; reports ( e.g., XXXX flagging ) list as " active '' without notations ( violates FCRA 1681s-2 ( a ) ; TDCA ). Unchanged since Regulation F ( effective 2021 ), per CFPB Examination Procedures ( XX/XX/XXXX, XXXX XXXX ). In Texas, this systemic failure affects thousands, warranting state enforcement. 
Evidence : Attached website screenshots ( homepage, payment portal, Terms & Conditions arbitration clauseapplied to Account # XXXX ), collection letters, and Texas SOL calculation ( XXXX years from XX/XX/XXXX ). 

IV. PATTERN OF WILLFUL NON-COMPLIANCE AND HARM ( UNDER TEXAS STANDARDS ) Ignored XX/XX/XXXX FTC report XX/XX/XXXX flagging XX/XX/XXXX verification + policies show willfulness ( reckless disregard under TDCA ). Harm : Credit score damage, denied applications, emotional distress, higher rates costing, time disputing ( XXXX hours ) quantifiable under Texas actual damages. 

V. QUESTIONS FOR CFPB ( WITH TEXAS IMPLICATIONS ) Has CFPB examined Resurgent/LVNV 's Texas compliance XXXX e.g., TDCA/Regulation F for Account # XXXX )? 
How do policies comply with Texas SOL ( 16.004 ) and TDCA? 
What enforcement will CFPB pursue, coordinating with Texas AG? 
VI. CONCLUSION AND DEMANDED RESOLUTION Resurgent/LVNV 's actions violate federal/Texas laws willfully ( per Gorman v. Wolpoff & Abramson ; Texas cases ). Request : Remove {$210.00} fees + interest OR delete tradeline ; cease collections ; explain ; compensate {$5000.00} {$10000.00} ( statutory/actual under FCRA/TDCA ) XXXX CFPB investigate/enforce, including Texas referrals.

Company response to consumer: Closed with explanation