Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC, Resurgent Capital Services, and XXXX XXXX XXXX XXXX. for violations of federal and state laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Arizona statutes, related to unfair and deceptive debt collection practices. Below are the details of the issue : Account Information : Original Creditor : XXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX Debt Buyer : LVNV Funding LLC / Resurgent Capital Services Reference ID : XXXX Disputed Account Balance : {$820.00} Details of the Complaint : XXXX. Inflated Debt Amount : LVNV Funding LLC, as the debt buyer, is attempting to collect a balance of {$820.00}, which significantly exceeds the final balance reported by XXXXXXXX XXXX XXXX at account closure. According to XXXX XXXX XXXX records : o XX/XX/XXXX XX/XX/XXXX Statement : New Balance : {$470.00}, Credit Limit : {$300.00}, Account Status : Your account is past due and has been suspended. 
o XX/XX/XXXX XX/XX/XXXX Statement : New Balance : {$520.00}, Credit Limit : {$300.00}, Fees Charged : {$39.00}, Interest Charged : {$10.00}, Account Status : Your credit card account has been closed because it is past due. 
o Final Balance at Closure ( XX/XX/XXXX ) : {$520.00} o XX/XX/XXXX : XXXX XXXX XXXX reported the account as charged off with a balance of {$820.00}, which is inconsistent with prior statements. 
o XX/XX/XXXX : LVNV Funding LLC purchased the account and reported a balance of {$820.00}, despite the final balance from XXXX XXXX being {$520.00}. 
The inflated balance of {$820.00} includes unauthorized fees and charges that were added after the account was closed, rendering it impossible to accrue additional debt. 
XXXX. Disputes Ignored : I filed multiple disputes with LVNV Funding LLC, clearly outlining the discrepancy between the final balance from XXXX XXXX XXXX ( {$520.00} ) and the amount they are attempting to collect ( {$820.00} ). LVNV acknowledged the inconsistency but refused to adjust the debt amount, continuing their attempts to collect the inflated balance. 
XXXX. Inaccurate Credit Reporting : LVNV Funding LLC reported the inflated balance of {$820.00} to XXXX, XXXX, and XXXX, damaging my credit profile. Prior to the sale of the debt, XXXX XXXX XXXX reported accurate balances of {$470.00} ( XX/XX/XXXX ) and {$520.00} ( XX/XX/XXXX ), further evidencing the discrepancy. 
XXXX. Violations of Law : The actions of LVNV Funding LLC and XXXX XXXX XXXX  violate the following laws : o Fair Debt Collection Practices Act ( FDCPA ) : By attempting to collect an inflated debt amount and failing to correct the disputed balance, LVNV violated FDCPA provisions prohibiting false, deceptive, or misleading representations in debt collection ( 15 U.S.C. 1692e ) and unfair practices ( 15 U.S.C. 1692f ). 
o XXXX Revised Statutes ( XXXX. ) : XXXX. XXXX : Prohibits collecting fees not legally due, such as monthly fees or charges added to a closed account. 
XXXX. XXXX : Prohibits deceptive or unfair practices, including debt inflation. 
o XXXX XXXX XXXX and LVNV improperly added fees and charges to a closed account, which is not legally justified. 

Supporting Evidence : XXXX XXXX XXXX Credit Card Statements ( XX/XX/XXXX XX/XX/XXXX ). 
Documentation of disputes filed with LVNV Funding LLC. 
LVNV Funding LLCs acknowledgment of the debt discrepancy. 

Please let me know if additional information or documentation is required to proceed with this complaint. Thank you for your attention to this matter. 
Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation