Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This is now my THIRD complaint to the CFPB. 

In my previous complaint, I very clearly articulated that I am demanding PROOF OF OWNERSHIP OF THE ACCOUNT from the collection agency. These companies purport to own the account, yet have failed to offer any proof of ownership. The Purchase Agreement is a simple document that would prove their right to collect. Absent that proof, they continue to actively engage in their wrongful scheme of illegal collection practices. 

Please read my previous complaint. It was crystal clear that I am requesting a copy of the PURCHASE AGREEMENT for the alleged debt which would demonstrate the firms ownership of the account, and the steps taken to ensure its alleged accuracy. 

If you do your research, you will find thousands of affected consumers under this exact same issue from LVNV Funding and their sister company, Resurgent.

These companies are engaged in a sophisticated multi-state scheme to defraud consumers and violate their very clear rights under the FCRA and ( most importantly ) the FDCPA. They have built a sophisticated web of affiliated companies with the sole intent to frustrate consumers and violate their rights with perceived immunity. 

I have written over a DOZEN LETTERS to these companies, each time making it VERY CLEAR I am requesting a copy of their PURCHASE AGREEMENT that would demonstrate the ownership of the account, right to collect it, and chain of ownership that would track back to the original creditor. 

EACH TIME, these companies perpetuate their deliberate FRAUD by ignoring my very specific request. Instead, they practice deception by simply sending laser printed copies of prior billings and documents. This is a DELIBERATE VIOLATION of the FDCPA. Their responses to you are fraudulent, and intended to deceive the CFPB through evasive " non answers. I have discussed the practice with at least one of their employees who privately admitted their intentional deception to me. They have not once provided any single document showing their ownership of the account or legal authority to collect against it. 

Read my last complaint. I again reassert the same request in this complaint. 

I do not need copies of credit card agreements and billing statements. 

I am simply requesting ONE DOCUMENT, which I have a very clear legal right to. 

I AM REQUESTING THEIR PURCHASE AGREEMENT DEMONSTRATING THEIR LAWFUL OWNERSHIP OF THE ACCOUNT. 

Why do they put forth so much effort ignoring this simple request? 

With over a dozen requests sent to them for this document, these fraudulent companies have sent my in excess of 30 non responsive letters. In each letter, they merely attach superfluous documents that are non-responsive to my dispute. 

Indeed, in my last complaint, I literally wrote I predict they will try to trick the CFPB and not send the requested Purchase Agreement. I literally predicted their fraud in my last complaint. And they acted exactly as I predicted. 

I do not wish to go through another round f them lying in their response to the CFPB. 

I request that the CFPB and the FTC open a more formal investigation into their deliberate fraud and ongoing violations. 

To that end, I will also mail hard copies of this complaint to the Directors of both the CFPB and the FTC. 

I no longer seek simple deletion of this wrongful reporting on my credit bureau. I am now much more interested in protected other consumers who may be less sophisticated than me and who accept their illegal responses and actions. 

Please open a formal investigation. I do not intent to simply drop this issue. 

Thank you in advance, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation