Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX LVNV Funding XXXX, SC XXXX Subject : Cease and Desist Unauthorized, Unverified, and Harassing Debt Collection Activities Dear LVNV Funding, I am writing to formally demand that you immediately cease all collection activities related to the alleged debt you claim I owe. Your repeated violations of federal and state laws governing debt collection have caused undue stress and disrupted my daily life. 

Violations of Federal Law : Failure to Verify Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide written notice of my right to verify and dispute any alleged debt within 30 days of your initial communication. You have failed to comply with this requirement, and yet you have reported this alleged debt to credit reporting agencies.

Harassment by Telephone : Your company has repeatedly contacted me outside of business hours and multiple times a day, which is a clear violation of the FDCPA, 15 U.S.C. 1692d ( 5 ). This section prohibits behavior intended to harass, oppress, or abuse, including making repeated calls or contacting a consumer at inconvenient times, defined as before XXXX XXXX  or after XXXX XXXX  local time. 

Violations of Texas Law : Additionally, I have discovered that your company is not registered with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) to collect debts in Texas. This violates Texas Finance Code 392.101, which requires that third-party debt XXXX be bonded and registered to legally collect debts within the state. 

My Demands : In light of these violations, I demand the following actions from LVNV Funding : Cease All Communication : Stop all attempts to contact me, whether by phone, mail, or any other method. 
Remove Reporting : Immediately delete all references to this alleged debt from my credit reports with XXXX, XXXX, and XXXX. 
Provide Verification : If you believe the debt is valid, provide proper verification in compliance with both federal and Texas laws. 
Acknowledgment of Compliance : Provide written confirmation that you will cease all further collection activities and that this matter is resolved. 
Failure to adhere to these demands will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Texas XXXX of the Attorney General, and other relevant regulatory bodies. I also reserve the right to seek legal remedies for statutory damages, attorney fees, and other costs resulting from your unlawful conduct. 

This letter serves as your formal notice to cease and desist. Any further attempts to contact me outside of the parameters set by law will constitute additional violations, for which I will seek legal recourse. 

Please direct all future correspondence regarding this matter to me in writing at the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief