Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I got a XXXX XXXX credit card about XXXX  years ago. I put {$200.00} down it was a secured XXXX. I used my own money for the credit limit. They're now saying I owe {$110.00} and sent it to a debt collection agency. After doing plenty of research I realized the {$200.00} would have covered the {$110.00} dollar balance on the secured XXXX. I would have actually been owed {$86.00}. 

Either way I don't owe {$110.00} that was secured XXXX my own money was my credit limit. 


The second balance the same exact scenario with another credit card company. I was actually trying to build my credit. It was a {$300.00} deposit I put down, that was my credit limit, my credit limit wouldn't be higher than what my deposit was. {$690.00}. Is not what is owed that balance is wrong. I actually closed that account professionally, literally I didn't owe them folks anything, and I never received my deposit back from ether credit card company. 

I'm XXXX I've always paid my bills, I was trying to build my credit and closing these two cards really put me in the red. The only bills I have on my credit are these two. I've been through a lot in life there should be four derogatory marks not to if I owed anyone. I'm sure there's some explanation for the fuckery I'm going through, but the truth is I don't owe anybody money and I can't afford to pay anybody money. 

{$800.00} two derogatory marks is the only thing on my credit. 


For proof honestly don't have much but I'm telling you the truth. I will attach a photo of the research I found. I will also attach a photo of the only two derogatory marks on my credit report. 

I've been to the hospitals millions of times being XXXX and numerous bills I've always paid I believe in paying your bills and what you owe. 

This is been frustrating for me I don't have {$100.00} to spare my income is XXXX income {$740.00}. Per month, all my money is rent gas and living the lowest quality of life the world has to offer. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish you would really look at what's going on I. Telling the truth and I've spoke with a XXXX people and can't get my point across, I have no choice but to keep pursuing this I know I'm right. 

The credit card companies made off like a bandit, and the debt collection agency don't believe a word I say and I get it I can only imagine dealing with people that are upset as I am everyday and why people just brush it off like it's nothing. 

I'm telling you the XXXX 's honest truth a {$200.00} secured credit card and a {$300.00} secured credit card has put {$800.00} of negativity on my credit report, I only have two derogatory marks on my credit.but it has made my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I've always paid my bills, it's a pride thing and being able to be a XXXX thing, XXXX $ is bigger than what I can handle and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have it hard enough, I've always paid my bills, the pandemic was a lot to do with getting behind on those two secured credit limits. I live and learn. 


{$200.00} security deposit XXXX XXXX  secured credit card. They sent {$110.00} XXXX to the collection agency. Ruined my credit. Derogatory mark # XXXX {$300.00} security deposit XXXX XXXX credit card. They sent a {$690.00} bill to lvnv funding. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX honest truth I don't owe nobody. 

I closed XXXX XXXX professionally there was no balance on that card nothing I didn't know nothing. Next thing I know LVNV funding shows up on my credit report, I called the credit card company they said they couldn't help me and I had a deal with LVNV because I closed the account. Lvnv funding won't believe a word I say they want the money end of discussion. 


I didn't owe anyone money and somehow lvnv funding and resurgent bought my information and have been chasing me for fake debt. 

The sad part is two different credit card companies act the same way like I'm at fault. They made off like a band it they didn't give me my security deposit back I didn't know them any money then they sold my information to debt XXXX and ruined my credit just for closing the cards out professionally this needs to be federally investigated!

Company response to consumer: Closed with explanation