Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Account Number XXXX | Formal Demand for Debt Validation Under FCRA, OCC, FDCPA, UCC, Trust Law, FDIC Regulations, SEC, TILA/RESPA, Florida Consumer Law, and Equitable Remedies To Whom It May Concern : This letter constitutes a formal dispute and demand for validation of the alleged debt referenced above, pursuant to 15 U.S.C. 1692g ( FDCPA ) and 12 CFR 1006.34 ( c ) ( Regulation F ). Failure to provide the enumerated documents within 30 days will result in a conclusive presumption of invalidity, triggering immediate legal, regulatory, and equitable remedies. 
________________________________________ I. LEGAL BASIS FOR DOCUMENT PRODUCTION A. XXXX XXXX Defects ( XXXX ( XXXX ) of Trusts XXXX, XXXX, XXXX ; XXXX XXXX ) XXXX. Pooling and Servicing Agreement ( XXXX ) Compliance : Provide the complete XXXX, including : Schedule A ( list of assets ) proving this debt was transferred into the trust prior to the closing date. 
Section XXXX ( loan transfer protocols ) with timestamps and certifications of compliance. 
XXXX XXXX ID ( XXXX ) and CUSIP number for the securitized pool. 
Questions : If the XXXX closing date precludes this debts inclusion, does this violate New York XXXX XXXX XXXX, rendering the transfer void under XXXX XXXX XXXX XXXX, XXXX Mass. XXXX ( XXXX )? 
If Schedule A omits this account, does this breach SEC XXXX XXXX ( record retention )? 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : o Provide XXXX IRS Form XXXX ( Trust Tax Returns ) listing this debt as an asset. 
Submit trustee resolutions authorizing collection and audit reports proving no commingling of assets under XXXX ( XXXX ) of Trusts XXXX. 
Questions : If Form XXXX omits this debt, does this constitute tax fraud under XXXX XXXX. XXXX? 
If commingling occurred, does this void the trusts standing under XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX ( XXXX )? 
XXXX. Non-Performing Notes Insurance Compliance : Provide all insurance policies related to non-performing notes held by the trust, including : Policy numbers, coverage terms, and effective dates. 
Claims filed on these policies related to Account # XXXX. 
Proof of proceeds applied to this debt, extinguishing your claim under XXXX XXXX. 
Questions : If insurance proceeds were paid for this debt, does this nullify your right to collect under FDIC v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX )? 
If such policies exist but were not disclosed in SEC filings, does this violate XXXX CFR XXXX ( material omissions )? 
XXXX FDIC Compliance ( 12 U.S.C. 1821 ( d ) ; FDIC Advisory Opinion XXXX ) XXXX. Post-Receivership Transfers : Provide the Purchase and Assumption ( XXXX & XXXX ) Agreement filed with the FDIC under 12 CFR 360.6, including : Section 3.2 : Proof of compliance with FDICs " no assignment '' clauses post-receivership.

Exhibit 1.1 : List of assets transferred, including this account. 
Questions : If acquired post-FDIC receivership, does this violate FDIC v. XXXX? 
If the XXXX XXXX XXXX  lacks this account, does this confirm lack of standing under XXXX XXXX XXXX XXXX FDIC, XXXX XXXX XXXX ( XXXX )? 
XXXX. Double Recovery Bar : Provide FDIC Form 160 ( certification of no double recovery ) and loss-share agreements.

Question : If the FDIC reimbursed the original creditor, does this extinguish your claim under 12 U.S.C. 1825 ( b ) ( 2 )?

C. UCC Compliance ( UCC 3-301, 9-203, 9-406 ) 1. Enforceable Interest : Provide the original wet-ink promissory note with specific endorsements to XXXX XXXX XXXX under UCC 3-205 .

o Questions : If the note is lost, can you prove possession at the time of loss under UCC 3-309 ( a )?

If endorsements are missing, does this void enforceability under XXXX v. XXXX XXXX XXXX XXXX ( XXXX )? 
XXXX. Perfection of Security Interest : Provide the XXXX financing statement filed in XXXX XXXX XXXX FL ( XXXX # ________ ), including : Debtors name ( XXXX XXXX ) and collateral description matching this account. 
Question : If no XXXX exists, does this render the debt unsecured under In re Commercial Money Center, XXXX B.R. XXXX ( XXXX Cir. BAP XXXX )? 
XXXX SEC & XXXX Disclosures ( 15 U.S.C. 77l ; 12 CFR 1026.36 ) 1. SEC Form XXXX & XXXX : Provide XXXX Form XXXX filings disclosing this debts delinquency status and charge-off date. 
Question : If omitted, does this violate 17 CFR 229.1125 ( material omissions )?

2. TILA 131 ( g ) Transfer Notice : Provide the written notice sent within 30 days of transfer to a trust.

Question : If no notice was sent, does this nullify the transfer under XXXX v. Barley, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX )? 
XXXX XXXX XXXX : Forward Flow Agreement & Bill of Sale XXXX. Forward Flow Agreement : Provide the complete Forward Flow Agreement between XXXX and XXXX, including : Exhibit B : Account schedule listing # XXXX with balance and origination date. 
Section XXXX : Warranties of enforceability and compliance with FDCPA. 
Questions : If Exhibit B lacks this account, does this breach UCC 2-313 ( express warranties )?

If warranties are false, does this entitle me to rescission under XXXX XXXX. XXXX? 
XXXX. XXXX XXXX XXXX with Specificity : Provide a notarized bill of sale identifying : Account # XXXX, including principal, interest, and fees. 
Chain of title from XXXX to XXXX under UCC 9-102 ( a ) ( 72 ). 
Questions : If the bill of sale is generic, does this violate XXXX v. XXXX XXXX? 
If consideration paid was {$0.00}, does this invalidate the sale under XXXX ( XXXX ) of Contracts XXXX? 
XXXX Florida XXXX : Licensing, Bond, and Verification ( XXXX XXXX. XXXX, XXXX ) 1. Debt Collector License & Surety Bond : Provide XXXX XXXX Consumer Debt Collector License # ________ and surety bond # ________ ( minimum {$50000.00} under XXXX XXXX. XXXX ). 
Questions : If unlicensed, does this void all collection activity under XXXX v. XXXX XXXX XXXX? 
If the bond is expired, does this expose XXXX to treble damages under XXXX XXXX. XXXX ( XXXX )? 
2. Verification Procedures : Disclose the name, title, and qualifications of personnel who verified this debt.

Provide call logs, emails, and audit trails proving XXXX validated the debt. 
Questions : If verification relied on electronic records alone, does this breach FCRA 1681s-2 ( b )?

If no audit trail exists, does this violate FTC Consent Order XXXX? 
________________________________________ II. DOCUMENTATION DEMANDED Provide all of the following within 30 days : 1. Trust Documents : Full XXXX, trust tax ID, CUSIP number, trustee resolutions, audit reports, non-performing notes insurance policies, claims, and proceeds records. 
2. FDIC Compliance : P & A Agreement, FDIC Advisory Opinion XXXX proof, loss-share agreements. 
XXXX. XXXX Proof : Wet-ink note, XXXX filing XXXX chain of custody affidavit. 
XXXX. XXXX Disclosures : Form XXXX, XXXX, TILA transfer notice. 
5. Accounting Records : XXXX XXXX XXXX, Form XXXX, payment ledger with daily interest calculations. 
6. Forward Flow Agreement : Complete agreement with account-specific schedules and warranties. 
________________________________________ XXXX. CONSEQUENCES OF NON-COMPLIANCE XXXX Credit Reporting : Immediate deletion from all bureaus under FCRA XXXX. 
XXXX. Regulatory Complaints : CFPB ( FDCPA ), SEC ( securities fraud ), FDIC ( unsafe practices ), FTC, Florida OAG, and IRS Criminal Investigation. 
XXXX. Litigation : Claims for FDCPA, FCCPA, TILA, XXXX, XXXX, and tax fraud, seeking $ XXXX in damages + disgorgement. 
________________________________________ XXXX. LEGAL PRECEDENT & PREEMPTIVE REBUTTALS A. Precedent-Based Objections XXXX. " No XXXX Available '' : XXXXXXXX XXXX XXXX XXXX : Failure to produce XXXX voids standing to collect. 
XXXX. " Electronic Copies Suffice '' : In re XXXX : Electronic records are inadmissible under XXXX XXXX. 
XXXX. " FDIC Compliance Irrelevant '' : FDIC XXXX XXXX : Loss-share agreements bar double recovery under 12 U.S.C. 1825 ( b ) ( 2 ). 
B. Regulatory Penalties SEC : $ XXXX fines for ABS disclosure violations ( 17 CFR 240.15Ga-1 ). 
CFPB : $ XXXX for FDCPA misrepresentations ( 12 CFR 1006.34 ).

________________________________________ V. REMEDIES & TIMELINES 1. Debt Deletion : Remove from all credit bureaus within 5 days of validation failure ( FCRA 1681i ). 
XXXX. Statutory Damages : Wire {$5000.00} via [ Your Wiring Instructions ] or mail check payable to XXXX XXXX at the above address ( 15 U.S.C. 1692k ). 
XXXX. XXXX XXXX : Disgorgement of unlawful profits under SEC XXXX XXXX XXXX XXXX XXXX 
________________________________________ VI. ANTICIPATORY COUNTERARGUMENTS Creditor Claim Your Rebuttal " We dont maintain XXXX '' '' XXXX XXXX No XXXX = no ownership. Delete the debt or face declaratory judgment. '' " We use electronic records '' '' In re XXXX : XXXX XXXX requires wet-ink notes. Failure = $ XXXX. '' " FDIC compliance isnt required '' '' 12 U.S.C. 1818 : FDIC-regulated entities must comply. Non-response = admission. '' ________________________________________ XXXX Notice : Retain all documents, metadata, and communications under XXXX v. XXXX XXXX, XXXX F.R.D. XXXX ( S.D.N.Y. XXXX ). Spoliation = sanctions. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( www.consumerfinance.gov/complaint ) Federal Trade Commission ( XXXX ) FDIC ( XXXX XXXX XXXX  ) Office of the Comptroller of the Currency ( https : //occ.gov ) Florida Attorney General IRS Criminal Investigation

Company response to consumer: Closed with explanation