Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
NOTICE OF DISPUTE, DEMAND FOR VALIDATION, CEASE AND DESIST, AND REQUEST FOR IMMEDIATE REMOVAL To Whom It May Concern, This correspondence shall serve as formal notice that I dispute the alleged debt your company claims to be attempting to collect. I hereby demand immediate cessation of all collection activity, telephone communication, reporting activity, and any further unlawful contact concerning this matter. Your conduct constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., including but not limited to : 15 U.S.C. 1692c ( a ) ( 1 ) and 1692c ( c ) communicating with a consumer at unreasonable times and after notice requesting cessation of communication ; 15 U.S.C. 1692d engaging in conduct intended to harass, oppress, or abuse any person through repeated and continuous telephone calls ; 15 U.S.C. 1692d ( 5 ) causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass ; 15 U.S.C. 1692e using false, deceptive, or misleading representations regarding the character, legal status, or ownership of an alleged debt ; 15 U.S.C. 1692e ( 2 ) ( A ) falsely representing the legal status or amount of any debt ; 15 U.S.C. 1692f using unfair or unconscionable means to attempt collection of an alleged obligation. Furthermore, pursuant to 15 U.S.C. 1692g ( b ), I formally dispute this alleged debt in its entirety and request competent legal validation of the debt. You are hereby required to provide : 1. A complete accounting of the alleged debt ; 2. A copy of the original signed agreement bearing my signature ; 3. Documentation establishing your legal standing and authority to collect ; 4. Proof of assignment or transfer of the alleged account ; 5. Verification that the debt is accurate, enforceable, and legally collectible. Absent such validation, you are required under federal law to cease all collection efforts immediately. Additionally, to the extent your company has furnished or continues to furnish information regarding this disputed account to any consumer reporting agency, such conduct may constitute violations of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), for reporting inaccurate, misleading, or unverified information. Accordingly, I demand the following immediate actions : 1. Immediate removal and deletion of this alleged account from all internal systems and third-party consumer reporting agencies ; 2. Immediate cease and desist of all telephone calls, text messages, emails, and written correspondence ; 3. Immediate termination of any further collection activity ; 4. Written confirmation within thirty ( 30 ) days that this matter has been closed and removed. Be advised that failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Attorney Generals Office, and any other applicable state and federal regulatory agencies. I further reserve all rights to pursue civil remedies, statutory damages, actual damages, attorneys fees, and all other relief available under the FDCPA, FCRA, and applicable state consumer protection statutes. This letter is submitted without waiver of any rights, remedies, claims, defenses, or causes of action, all of which are expressly reserved. Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief