Consumer complaint received 2024-11-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Date : XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Notice of Dispute and Request for Debt Validation** Account Number : XXXX To Whom It May Concern, This letter serves as my formal Notice of Dispute regarding the alleged debt associated with the above-referenced account number. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt.

Please note that I do not acknowledge or admit responsibility for this alleged debt. As you have purchased this debt from Credit One Bank, you are bound by the original agreement, including any arbitration clauses contained therein. If we are unable to resolve this matter amicably, I am prepared to pursue arbitration and seek all available remedies. I am fully aware that arbitration will cost you an estimated {$2500.00} or more per day in fees, far exceeding the value of this alleged debt. 

Furthermore, as established in XXXX XXXX LVNV Funding, LLC ( XXXX ), your company is required to comply strictly with the FDCPA. This includes accurately validating debts and ensuring that your collection practices do not violate consumer protection laws. In this case, the court underscored the legal responsibilities of debt collectors like yourself, and I will not hesitate to hold you accountable to the same standard. 

To resolve this matter amicably, all you need to do is remove all accounts associated with LVNV Funding LLC from my consumer reports with any and all credit reporting agencies. This is the simplest and most cost-effective way to resolve this dispute and avoid unnecessary arbitration costs. 

Additionally, to validate this debt, please provide the following : Proof of the original agreement : A copy of the signed contract or agreement between me and XXXX XXXXXXXX XXXX that demonstrates I am obligated to pay this debt. 
Itemized account statement : A complete breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of assignment or ownership : Documentation showing that LVNV Funding LLC has legal standing to collect this debt, including the chain of custody if the debt was sold or transferred. 
Verification of compliance : Documentation showing that this debt complies with all state and federal statutes, including statutes of limitations.

Additionally, I request that you immediately cease any collection activities, including reporting this account to any consumer reporting agencies, until the debt has been fully validated. If you have already reported this alleged debt, please update any credit reporting agencies to reflect that the debt is under dispute.

You have 15 days from the date of this letter to respond and confirm your compliance with my request. Failure to do so will leave me no choice but to proceed with arbitration, where I will seek all available remedies under the law. 

This letter is not an admission of liability and does not authorize any additional collection activity. All communication regarding this matter should be made in writing to the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief