Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
Subject : Formal Complaint Against Resurgent Capital Services and LVNV Funding LLC for FDCPA Violations and Improper Debt Validation To Whom It May Concern, This is a formal complaint regarding Resurgent Capital Services L.P., acting as a debt servicer for LVNV Funding LLC, in connection with an alleged debt from XXXX XXXX XXXXXXXX, associated with account ending in XXXX and a claimed balance of {$1200.00} ( Reference No. XXXX ). 

On or about XX/XX/XXXX, I received a debt collection notice from Resurgent Capital Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), I submitted a timely written request demanding full and proper validation of the debt, which legally obligates the collector to cease collection activity until sufficient verification is provided. 

In response, on XX/XX/XXXX, I received nothing more than a generic billing statement containing a basic account summary. This is wholly insufficient under federal law and long-standing case precedent. Debt validation under the FDCPA requires : - A copy of the original signed agreement establishing liability ; - The full chain of assignment or ownership, proving that LVNV Funding LLC and Resurgent Capital Services have legal standing to collect the alleged debt ; - A complete accounting and itemization of the charges and interest added to the balance ; - A notarized statement of ownership and authority to collect. 

In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court clearly held that mere computer printouts or summaries are insufficient to meet the validation requirement. Likewise, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), it was affirmed that the debt collector must provide adequate documentation to verify the validity and amount of the debt. 

To date, Resurgent Capital Services has failed to provide any legally sufficient documentation, thereby violating 15 U.S.C. 1692g ( b ) and continuing to pursue collection in violation of 15 U.S.C. 1692e ( false or misleading representations ) and 1692f ( unfair practices ).

Additional Violations and Demand Moving forward, I am invoking my right under 15 U.S.C. 1692c ( c ) to demand that Resurgent Capital Services and any of its agents immediately cease and desist all communication with me, including but not limited to written correspondence, phone calls, and digital contact. Furthermore : - I demand that any and all collection reporting by Resurgent Capital Services or LVNV Funding LLC be permanently deleted from XXXX XXXX XXXX XXXX 
- Continuing to report this alleged debt to the credit bureaus without proper validation constitutes willful injury under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and may result in civil liability.

Relief Requested I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate and enforce corrective action against Resurgent Capital Services and LVNV Funding LLC for their violations of the FDCPA and FCRA ; 2. Compel immediate cessation of all collection activity, including communication and credit reporting ; 3. Require deletion of the collection account from all consumer reporting agencies ; 4. Assess penalties as authorized under federal law and inform me of any actions taken. 

Please find enclosed the original collection notice and the inadequate validation response. 

Thank you for your time and protection of consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief