Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
b'SUBJECT ENTITIES: Resurgent Capital Services, L.P.; LVNV Funding LLC; XXXX XXXX XXXX XXXX XXXX XXXX Resurgent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resident, I submit this condensed report to the CFPB documenting obvious, willful violations by Resurgent in collecting an unvalidated debt. Since XXXX XXXX XXXX I have notified agencies via online portals, certified mail, and disputes to build a coordinated record: FTC (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 XXXX XXXX XXXX XXXX. Violations are clear from ignored demands, form letters, and unauthorized contacts over XXXX days, affecting thousands. Evidence (attached: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX affidavit, XXXX reports, website screenshots) makes breaches undeniable. Request immediate investigation, penalties, restitution (XXXX  damages), and injunction.\n\nPART I: EXECUTIVE SUMMARY & FINDINGS\nThis investigation reveals obvious violations of FDCPA, TCPA, FCRA, Regulation F, and XXXX  laws, with patterns suggesting systemic harm (XXXX  consumers, $XXXX+ impact). I notified agencies progressively to expose this, starting with cease demand (XXXX XXXX XXXX XXXX XXXX). Key obvious violations: failure to validate (6 counts), post-cease contacts (XXXX counts), unauthorized texts (XXXX  counts), deceptions (XXXX+ counts), inaccurate reporting. Damages: XXXX (statutory/actual/punitive).\n\nPART II: INVESTIGATIVE METHODOLOGY\nReal-time preservation: Screenshots/metadata for texts/emails; scans for letters; direct XXXX  pulls. Notarized affidavit (XXXX XXXX XXXX). Timeline from timestamps/XXXX  tracking. Legal focus: Statutes/cases showing obvious breaches (e.g., XXXX XXXX XXXX XXXX XXXX XXXX). Notifications cross-referenced for coordination.\n\nPART III: CHRONOLOGICAL INVESTIGATION FINDINGS\nXXXX XXXX: LVNV bought debt XXXX XXXXXXXX; Resurgent\'s "Welcome!" letter (XXXX XXXX) obviously omitted FDCPA notices ( 1692g(a)). Unauthorized text/email (XXXX XXXX without consent. I notified via cease/validation demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inadequate response XXXX XXXX XXXX) obviously failed validation (no originals). Post-cease text (XXXX XXXX Certified follow-up/affidavit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notified ResurgentXXXX XXXX XXXX XXXX more form letters (XXXX XXXX XXXX obviously misrepresented validation ( 1692e). XXXX XXXX XXXX XXXX XXXX unauthorized. False "identity theft" claim XXXX XXXX) obvious burden shift. Certified follow-up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, received XXXX XXXX XXXX XXXX Post-revocation texts XXXX XXXX obvious TCPA breaches. XXXX flag/alert/report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/FCC XXXX XXXX and bureaus XXXX XXXXPART IV: VIOLATION ANALYSIS BY STATUTE (FOCUS ON OBVIOUS BREACHES)\nFDCPA (15 U.S.C.  1692): Obvious validation failure ( 1692g(b), XXXX counts)demanded XXXX XXXX XXXX XXXX form letters provided no originals (clear per XXXX must include signed agreement/chain). Obvious cease violations ( 1692c(c), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX texts/reporting (willful, per XXXX XXXX XXXX XXXX XXXX XXXX XXXX). Obvious deceptions ( 1692eXXXX XXXX XXXX email manipulated XXXX XXXX false validation claims, identity theft ploy XXXX XXXX) obviously misleading (peXXXX XXXX XXXX XXXX XXXX XXXX). Obvious harassment ( 1692d) and unfairness ( 1692f) from persistent contacts.\nTCPA (47 U.S.C.  227(b)(1)(A)(iii)): Obvious unauthorized texts (XXXX XXXX XXXX XXXX XXXX XXXX)no express written consent, post-revocation (clear per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX). As of today (XXXX XXXX XXXX), Resurgent\'s website (resurgent.com, screenshots attached) obviously violates this with 32-page Terms & Conditions (XXXX XXXX burying overly broad consent for texts to any "associated numbers," misleading users and enabling wrong-number harassment (no opt-in, contradicts Marks).\nFCRA (15 U.S.C.  1681s-2): Obvious inaccurate furnishing ( 1681s-2(a)(1)(A)/(b), 3 counts)reported unvalidated debt to XXXX (XXXX XXXX XXXX XXXX XXXX XXXX without investigation (clear per XXXX XXXX XXXX XXXX XXXX XXXX XXXX: no perfunctory reviews).\nRegulation F (12 CFR  1006): Obvious improper communications ( 1006.6(e)/14(h)/34(c))texts/emails without consent/inadequate format (clear per CFPB Debt Procedures, XXXX XXXX  Laws: Obvious misrepresentations ( 392.304(a)(8)/(19))"XXXX  deception/false claims (treble damages per  392.403). Obvious threats ( 392.303(a)(2)) and XXXX nondisclosure ( 16.004). Obvious DTPA ( 17.46(b)(12)) from misleading services. As of today XXXX XXXX XXXX, website\'s Privacy Policy (effective XXXX) and CCPA Disclosure (effective XXXX) obviously violate these by falsely claiming "financial institution" status to skirt GLBA ( 6802) and privacy laws (they\'re debt collectors, not institutions; incomplete disclosures retroactively applied, misleading consumers).\nPART V: EVIDENCE DOCUMENTATION\nPhysical: 1XXXX XXXX XXXX XXXX XXXX XXXX Electronic: 4 texts (screenshots), 2 emails, XXXX  report (XXXX XXXX), website screenshots (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chain intact.\n\nPART VI: PATTERN & PRACTICE ANALYSIS\nObvious systemic issues: Form letters ignore demands (validation failures); multi-channel post-cease contacts; reporting without proof. As of today XXXX XXXX XXXX), website violations persist (e.g., buried consent/false status), enabling ongoing deceptive practices affecting thousands; I notified agencies to highlight patterns.\n\nPART VII: FINANCIAL IMPACT ASSESSMENT\nStatutory: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputes). Reference for joint action.\n\nPART IX: CONCLUSIONS & RECOMMENDATIONS\nObvious violations confirmed; recommend investigation, penalties, restitution (XXXX), tradeline deletion.'

Company response to consumer: Closed with explanation