Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
This is the letter that was sent to CFPB This is not the original creditor and you can not buy my debt without my consent, or notification. I have never received anything from the original creditor, advising me that they sold the Debt. They provided me the following information, account closed. 

Currently I have XXXX different creditors trying to collect on this debt, with no notifications or consent to buy my debt. So they have lied they are not the owner of the account, I never signed anything with them, again they are not the original creditors, and have not provided a Debt Validation, bill of sale of debt or any documentation I have requested or signed. Currently on my credit report as original creditor, reporting false information, dates, amounts, original creditor, etc.. 

There are currently XXXX companies trying to collect this debt,. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX doing business as LVNV Funding LLC So all theses debt XXXX bought my debt without my consent, and are trying to go after me. 


Dear Sirs/Madams, XXXX XXXX WebBank LVNV Funding LLC XXXX This letter is in response to the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX received XX/XX/XXXX regarding the referenced account ( the Account ). LVNV Funding LLC ( the XXXX XXXX ) currently owns the Account, having acquired it on XX/XX/XXXX. Resurgent Capital Services XXXX ( XXXX ) is the servicer of the Account. 
At XXXX, we take our customer service and consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. We have reviewed XXXX XXXX inquiry and believe the following information will address their concerns. 
The Account originated on XX/XX/XXXX, with XXXX and was opened with XXXX XXXX. The Account charged off on XX/XX/XXXX, with a balance of {$300.00}. No payments have been received on the Account since it was acquired by the XXXX XXXX. The current Account balance is {$300.00}. XXXX statements and terms and conditions on file for the Account are enclosed for review. 
This Account was previously charged off. Charging off an account does not satisfy the debt, nor does it affect the customers responsibility for the amount owed. If the account is sold after being charged off, the new owner has the right to collect the account. 
With its purchase of the Account, the XXXX XXXX acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is being reported to the credit bureaus on behalf of the Current Owner ; however, a request to delete the XXXX XXXX tradeline will be submitted to the credit bureaus. It XXXX then take additional time for each credit bureau to reflect this in their records. 
The enclosed letters containing verification of debt were mailed to XXXX XXXX. This Account has been properly verified as required by the Fair Debt Collection Practices Act. 
Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account,

Company response to consumer: Closed with explanation