Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Personal information important to my complaint and request for help. 

1 I am XXXX XXXX XXXX, single, live alone. 
and have no relatives or friends who have time to assist me. I suffered a permanent XXXX XXXX XXXX 5 years ago in an accident. It did not affect my cognitive abilities ; however, it resulted in significant XXXX  The XXXX is so severe, I am unable to perform task timely ( more specifically, it takes me 4 to 6 hours to get ready shower, get dressed, etc. ) 2. Although emotionally overwhelming, it has not been a functionality problem until XX/XX/XXXX, when my personal business became more than one person who did not suffer my XXXX would be challenged to keep up with all of the information and necessary tasks involved. 

XXXX. XX/XX/XXXX : I first found out ALL of my PII ( identity ), bank accounts, credit union accounts, debit cards, and credit cards had been stolen. I have been told by XXXX rep that it was a Full Sweep Theft that usually means my computer or phone had been hacked and possibly could have been sold to one or more criminals. 

XXXX. I found out only because somehow, XXXX Credit Card company took the time to locate my REAL address to send me a letter declining my application for credit card. At the time, my XXXX score was XXXX, and I had not applied for a XXXX card. 

XXXX. I could not log into my XXXX Credit Agency monitoring account for which I pay almost {$30.00} a month. I eventually was able to get a hold of someone by phone at XXXX and found out my login, phone number, and address had been changed. They also saw they had been notified by XXXX credit card company of fraud. 

XXXX. Over the last year, I have lived the nightmare of trying to recover all that I have lost and, more importantly, stop continued losses. Below, is what I was able to accomplish and I did recover some of the money that was stolen but I have been unable to raise my now XXXX XXXX score, keep up with all of the collection calls/letters or credit report disputes because two or three credit collection companies will not accept the information I have given them and continue to harass me to the point of I just cant do this life anymore. 

XXXX. The collection agency whose CONSTANT HARASSMENT with calls, texts, letters, obvious tactics to be able to IGNORE/ NOT ACCEPT information I have provided to them, and continue to claim I have not provided sufficient information. They ARE LIARS, who keep referring to their records- and are so determined to get ANY MONEY FROM ME, they are literally willing to do anything. They are fully aware of my age & my NON-BRAIN health issues. 

XXXX. Today, was the last straw and am BEGGING someone to PLEASE MAKE THEM JUST STOP! There latest tactic TO GET AROUND ME TELLING THEM TO STOP CONSTANTLY CONTACTING ME is to claim they have multiple accounts connected to me. Today, I called to complain about YET ANOTHER LETTER DENYING MY CLAIM OF FRAUD DUE TO INSUFFICIENT INFORMATION dated XX/XX/XXXX & was told our records show we have not sent you a letter since XXXX. When I kept arguing with her. I was told I have 3 accounts and the one she was looking at... - AND REFUSED TO GIVE ME ANY INFO re : these alleged other accounts - told me she could not access them WHICH MAKES NO SENSE - AND CLAIMED INFO I SAID I HAD PROVIDED AND MY NOTICES TO STOP CONTACTING ME WERE NOT IN THEIR RECORDS FOR THE ACCOUNT SHE WAS TRYING TO HELP ME WITH. It was a SICK CRUEL MIND GAME OF WORD PLAY. 

XXXX. I was crying and my XXXX XXXX went up so much I could fill my head, literally pounding and was scared. I might need to go to the XXXX As soon as I said something about my XXXX XXXX, she transferred me to a supervisor telling me since she will not allow me to assist you. I was hysterically frustrated because they will not stop and they keep lying. 

XXXX. The supervisor came on the line using a very aggressive ( again, I was hysterical ). I had calmed down and told him I had already provided them using their form that they require required, and I filled out and returned with the local police report number & the FTC ID Theft Report number Which the representative I had been talking to claimed they did not have and his response, we do not accept just numbers. 

11. XXXX XXXX XXXXXXXX fraudulent debt collection is something I have been dealing with since XX/XX/XXXX. Resurgences client is LVNV Funding, LLC, who evidently bought the debt from XXXX XXXX. LVNV first attempted to collect the debt the fraudulent debt from me and to whom I provided all the same information. 

12. I do not remember if it was LVNV collector or a Resurgence collector who at one point told me I would have to get certified deed records to prove i bought my house in XXXX, owned my home during the time the debt was incurred, AND sold it on XX/XX/XXXX ( I had to for financial reasons ). 

13. The banks, my credit union, credit card companies have all been very helpful EXCEPT AUTOMATIC RECURRING MEMBERSHIPS, & EVERY SERVICE OR PRODUCT THAT REQUIRES AUTO RECURRING MONTHLY OR ANNUAL PAYMENTS DO NOT STOP WHEN CREDIT CARD ACCOUNT NUMBER IS CHANGED DUE TO FRAUD - THE AUTOMATICALLY ROLL OVER. The majority of my money has been lost in paying for MULTIPLE XXXX XXXX memberships, XXXX XXXX streaming channels, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief