Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Heres a polished draft of your letter to the * * Consumer Financial Protection Bureau ( CFPB ) : * * -- - * * \ [ Your Name ] * * \ [ Your Address ] \ [ City, State, ZIP Code ] \ [ Email Address ] \ [ Phone Number ] \ [ Date ] * * Consumer Financial Protection Bureau * * XXXX XXXX XXXXXXXX XXXX  XXXX DC XXXXXXXX XXXX XXXX  Subject : * * Request for Assistance LVNV Funding, LLC Account Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the handling of an account in my name with LVNV Funding, LLC ( LVNV ). The details are as follows : Revisiting the already filed complaint : XXXX that has been closed XXXX XXXX XXXX LVNV Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> ) A payment arrangement was previously established with a company by the name of XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I have fully satisfied the agreed-upon payment plan for this account. Despite this, I recently received a collection notice from XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX regarding the same account. 

It appears that this account has been sold and transferred multiple times to different companies, despite my completion of the settlement arrangement. This repeated transfer and continued collection activity is not only frustrating but also misleading. Since the debt was resolved, I should not continue to receive collection letters regarding this matter. 

At this time, I am requesting that the CFPB investigate this issue and require LVNV Funding, LLC and its affiliates to : 1. * * Cease all collection activities * * on this resolved account.

2. * * Remove the account in its entirety * * from all of my credit report profiles with the XXXX XXXX  credit bureaus ( XXXX, XXXX, and XXXX  ) immediately. 

I have upheld my end of the agreement, and I believe it is unjust and inaccurate for this account to remain on my credit reports or to be pursued further by other entities. 



I have also attached the original documentation, along with the settlement agreement showing the debt was paid in full as agreed. Please note that this debt has since been purchased by several different collection agencies. 


Company 's Response was as follows : Our firm thoroughly investigated this matter and escalated it to our client for review. The documents that XXXX XXXX submitted for her " last payment '' to True Accord stated that she was paying the account that originated with XXXX XXXX XXXX ending in XXXX. Our firm sent XXXX XXXX an initial notice letter for money due and owing on a delinquent credit card account originating with XXXX XXXX XXXX, XXXX. with account number ending in XXXX I would first like to ask, who is XXXX XXXX? The account did not originally originate with XXXX XXXX XXXX ; it was with XXXX XXXX XXXX, XXXX. XXXX, along with a few other companies, took over the debt. I was finally able to be in a financial position to make a payment arrangement to pay off the debt, and it has now been paid in full. 

Despite this, XXXX XXXX XXXX is attempting to present the account as if it is a different account, when in fact it is not. Additionally, they appear to be confusing my account with someone elses, which could constitute a breach of identity. This concern is further supported by the way they have mailed documentation to me. 

The XXXX XXXX XXXX XXXX XXXXXXXX documentation outlines that I have XXXX accounts under LVNV Funding, LLC. One of which is XXXX XXXX XXXX and the other of which is XXXX XXXX XXXX, XXXX. 

Thank you for your time and assistance. I respectfully request your prompt intervention to correct this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation