Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
My name is XXXX XXXX. I am filing this complaint regarding three separate accounts that LVNV Funding LLC and its servicer, XXXX XXXX XXXX, claim to own. Across all three accounts, XXXX has engaged in a pattern of failing to provide proper validation, ignoring contractual arbitration requirements, disregarding documented hardship events, submitting excessive and irrelevant documentation intended to confuse or overwhelm, and attempting to collect balances that are inflated, inaccurate, or legally unsupported. 

In early 2024, I experienced two major documented hardships : My son passed away on XX/XX/year> I lost my job on XX/XX/year> ( documented by my Separation Agreement ) Despite these catastrophic events, neither the original creditors nor LVNV made any effort to offer assistance, hardship options, or accommodations. Each account instead continued to accrue interest, late fees, and charges. Below is a breakdown of the issues for each account. 

XXXX XXXX XXXX XXXX  ( LVNV Reference XXXX ) LVNV sent a XXXX response that consisted almost entirely of repetitive monthly statements, blank pages and filler pages. Despite the volume, they did not provide actual validation. Specifically : Every XXXX statement includes a XXXX XXXX insurance charge, yet LVNV did not provide a single document explaining how to file a claim, what benefits existed, or how the program worked. 
When my son died and I lost my jobboth qualifying hardship eventsno benefits were provided, no claim instructions were ever supplied, and interest and fees continued without pause.

LVNV refused to provide the purchase and sale agreement, chain of title, or itemized accounting.

LVNV included the XXXX  cardholder agreement containing a binding arbitration clause stating : ANY CLAIM, DISPUTE OR CONTROVERSY SHALL BE RESOLVED BY BINDING ARBITRATION, and The Arbitration Agreement shall survive the closing of your Account and any transfer, sale, or assignment of your Account. 
LVNV continued collection efforts despite this clause. 

XXXX XXXX XXXXXXXX XXXX Account ( LVNV Reference XXXX ) LVNV again submitted a very large packet of repetitive statements but still failed to provide meaningful validation. They did not include : A signed contract Proof of assignment An itemized accounting A calculation of the charge-off balance However, LVNV did include the XXXX XXXX XXXX cardholder agreement, which contains a mandatory arbitration clause stating : ANY CLAIM, DISPUTE OR CONTROVERSY BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING ARBITRATION, and You and we are waiving the right to litigate in court, including any right to a jury trial, and This Arbitration Agreement shall survive the closing of your account and any assignment of your account. 

LVNVs continued collection efforts despite this language violate the terms of the governing agreement. During my documented hardship period, the balance continued increasing with no hardship options or relief offered. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account ( LVNV Reference XXXX ) LVNV provided over 200 pages of statements and filler materials but again omitted the documents that are essential for debt validation. They did not provide : Proof of assignment or chain of title A signed contract Itemized accounting or balance breakdown Charge-off methodology Any hardship consideration LVNV included the XXXX XXXX cardholder agreement, which states : ANY CLAIM, DISPUTE OR CONTROVERSY SHALL BE RESOLVED EXCLUSIVELY BY BINDING ARBITRATION, and This arbitration clause shall survive account closure, charge-off, and assignment. 

LVNV continued collection anyway, ignoring the binding arbitration requirement.

Pattern of Misconduct Across all three accounts, LVNV has engaged in : Submitting extremely large volumes of irrelevant documents ( data dumps ) instead of actual validation Failing to provide required information under the FDCPA Ignoring contractual arbitration clauses they themselves provided Attempting to collect inflated and unverified balances Failing to offer or honor any hardship accommodations during a period of significant personal loss and documented unemployment Engaging in practices that appear deceptive, abusive, and designed to overwhelm rather than inform Thank you for reviewing this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation