Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Florida XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against LVNV Funding, LLC Collection of Time-Barred Debt Dear CFPB : I am filing a formal complaint against LVNV Funding , LLC ( c/o Resurgent Capital Services ) , which is attempting to collect a debt that is legally time-barred under New York law. 

Details of the issue are as follows : The debt was included in my XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ). 
The case was dismissed on XX/XX/XXXX, without discharge. 
The last payment toward the debt was made by the bankruptcy trustee on XX/XX/XXXX. 
Under New York XXXX XXXX, the statute of limitations for consumer debt is XXXX years. This debt became time-barred on XX/XX/XXXX. 
Despite this, LVNV has continued collection efforts, including letters and calls, and has not disclosed in writing that the debt is time-barred. 

I believe this violates : The Fair Debt Collection Practices Act ( FDCPA ), including misleading representations and unfair practices New York General Business Law 601-a, which requires disclosure when attempting to collect on time-barred debt I am requesting that the CFPB : Instruct LVNV Funding to cease all collection efforts on this time-barred debt Investigate these practices for possible regulatory violations Help ensure other consumers are not similarly misled or harassed Thank you for your attention to this matter. I am happy to provide additional documentation ( bankruptcy filings, payment history, collection letters ) upon request. 

Sincerely, XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against LVNV Funding, LLC Collection of Time-Barred Debt Dear CFPB : I am filing a formal complaint against LVNV Funding , LLC ( c/o Resurgent Capital Services ) XXXX which is attempting to collect a debt that is legally time-barred under New York law. 

Details of the issue are as follows : The debt was included in my XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ). 
The case was dismissed on XX/XX/XXXX, without discharge. 
The last payment toward the debt was made by the bankruptcy trustee on XX/XX/XXXX. 
Under New York XXXX XXXX, the statute of limitations for consumer debt is XXXX years. This debt became time-barred on XX/XX/XXXX. 
Despite this, LVNV has continued collection efforts, including letters and calls, and has not disclosed in writing that the debt is time-barred. 

I believe this violates : The Fair Debt Collection Practices Act ( FDCPA ), including misleading representations and unfair practices New York General Business Law 601-a, which requires disclosure when attempting to collect on time-barred debt I am requesting that the CFPB : Instruct LVNV Funding to cease all collection efforts on this time-barred debt Investigate these practices for possible regulatory violations Help ensure other consumers are not similarly misled or harassed Thank you for your attention to this matter. I am happy to provide additional documentation ( bankruptcy filings, payment history, collection letters ) upon request. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief