Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding LVNV Funding, LLC and its agent Resurgent Capital Services for violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), including failure to properly validate disputed charges and continued collection activity while the account was under dispute. 

This complaint concerns my fourth written request for validation, all sent via certified mail. My most recent request was sent on XX/XX/year>, in which I disputed the accuracy, completeness, and legal enforceability of the balance being reported and requested documentation sufficient to substantiate the amount claimed and the authority to collect. In that correspondence, I advised that, pursuant to federal law, collection activity must cease until the requested documentation was provided.

The scope of validation requested included the following : 1. A complete, itemized breakdown of the balance being reported, including : o every charge o every fee o interest calculations o any payments posted o any adjustments o dates of each entry 2. All original statements from the original creditor showing how the balance was created on a month-by-month basis.

3. A copy of the signed contract, application, or agreement bearing my signature that created the alleged obligation.

4. The full chain of title and assignment, including : o the original creditor o each transfer of ownership o documentation showing the account was legally assigned o balances at each transfer o dates the debt was bought or sold 5. Proof that the collecting entity is legally permitted to collect in my state.

6. Authentication of any documentation previously relied upon, including screenshots or system images, supported by original account records. Screenshots alone do not satisfy FDCPA validation requirements. 

On XX/XX/year>, I received a correspondence from Resurgent Capital Services on behalf of LVNV Funding acknowledging receipt of my dispute and stating that my inquiry was under review. Despite acknowledging the dispute, the correspondence stated that it was an attempt to collect a debt, within the same correspondence. Constituting continued collection activity while validation remained outstanding. 
Their correspondence was dated XX/XX/year>, yet was delivered XX/XX/year>, raising concerns regarding the accuracy of the date reflected on the letter. 

On XX/XX/year>, I received a second correspondence that again failed to provide the documentation required to validate the disputed charges. The documents provided consist solely of generic credit card terms and conditions and a basic account summary. These materials are boilerplate in nature and do not include the specific documentation required to validate the alleged debt, such as the original signed agreement, itemized statements detailing the charges, or proof of LVNVs legal authority to collect. As such, the debt remains unvalidated. 

Notably, this correspondence was also dated XX/XX/year>, despite being received a full week after the first letter. It is not reasonable that two separate correspondences, received on different dates, were both generated and mailed on the same day. Additionally, neither envelope contained postage or mailing indicia sufficient to substantiate the dates reflected in the correspondence. 

If the second correspondence had been sent on the date indicated, there would have been no need for the initial acknowledgment letter stating the dispute was under review. This pattern strongly suggests that the correspondence was backdated, misrepresenting compliance with statutory requirements. 
To date, the creditor and its agent have : Failed to properly validate the disputed charges Continued collection activity while the account was under dispute Provided misleading and potentially backdated correspondence Failed to substantiate mailing dates or demonstrate lawful compliance FDCPA 809 ( b ) 15 U.S.C. 1692g ( b ) This section states that once a consumer disputes a debt, the debt collector must cease collection until it obtains and mails verification of the debt to the consumer. 
Due to these failures and violations, including the creditors failure to submit the requested documentation sufficient to validate the disputed charges, and its failure to provide such validation within the required statutory timeframe, the alleged debt has not been properly verified as required by law.

Company response to consumer: Closed with non-monetary relief