Consumer complaint received 2024-11-21 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: MS

Complaint narrative:
LVNV FUNDING LLC {$1300.00} C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX They above company was attempting to collect a debt from me. However, I did not know about the debt collection process until i received a summons that a family member gave to me. This was a summons to appear in court on XX/XX/year> at XXXX. 

I contacted the Attorney 's office that is representing LVNV FUNDING LLC Attorney Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX I asked them about the debt and they falsely gave me information the was not true. They told me that the debt was for a company that I did business with over 10 years ago. I then looked at my credit report and did not see this company that they spoke of. I then decided to file an answer with the court after looking up my federal rights. In my answer I stated that I am disputing this debt, and I'm requesting a validation from the pursuant. I stated the plaintiff has not provided breakdown fees including how the alleged debt was calculated and what they claim I am responsible for. The state the debt was created in nor responded to my verbal request for the address and contact information of the original debtor. I was not provided a copy of my signature on a contract or document that hold me responsible for the alleged debt with LVNV funding LLC. 

I also requested that they have not violated the stature of limitations for this debt in the state in which this debt was created. According to the fair debt collection practice act. The reason I requested this in my answer is because the verbally stated this debt was from a creditor from over 10 years ago. 

I also stated to them that, a communication in form of a formal pleading in a civil action shall not be treated XXXX initial communication according to the FDCPA. 

I sent this to them in my answer through the court in XXXX XXXX in XXXX, XXXX XXXX 

After my answer was filed on XX/XX/year>. I received a credit card statement with the company name XXXX  on it. This is clearly not the company they initially said they are taking me to court about. 

They also attached a letter stating this is the proof of debt. 

I appeared in court on XX/XX/year>XXXX  at XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Where I stood before a Judge was not prepared. He didn't even know I filed an answer. The Plaintiff informed him that I filed an answer. The Plaintiff then gave the judge his copy of my answer. 

The judge scan the answer and made a ruling over my case for the plaintiff and ruled default for the plaintiff. 

I feel this is unfair this law off had a stack of case similar to mine and the judge was ruling default for the plaintiff on all of the cases. 

I feel the debt collection process was not done correctly and the judge did not care to event check the laws the was stated in this case on my behalf.

Company response to consumer: Closed with explanation