Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau Complaint Illegal Debt Collection Practices & Misrepresentation of Government Authority Complainant : XXXX XXXX Respondents : - LVNV Funding, LLC - XXXX County Court of XXXX XXXX XXXX XXXX  ) Summary of Complaint This complaint is submitted to the Consumer Financial Protection Bureau regarding illegal, deceptive, and unauthorized debt collection practices by LVNV Funding, LLC and the XXXX County Court of XXXX XXXX, which is operating as a forprofit municipal corporation while engaging in thirdparty debt collection activity through wage garnishment. 

The conduct described violates the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692e ( 2 ), ( 9 ), and ( 11 ), as well as the FTCs prohibitions on unfair or deceptive acts or practices. 



XXXX. LVNV Funding Violated FDCPA by Failing to Validate or Verify the Alleged Debt LVNV Funding initiated collection activity and litigation without providing the legally required documentation proving : - Ownership of the alleged debt - A lawful assignment or chain of title - A complete accounting ledger - A signed contract or original agreement - Verification from the original creditor Despite multiple requests, LVNV did not validate the debt, yet continued collection efforts, including litigation and garnishment. 

This violates : 15 U.S.C. 1692e ( 2 ) False representation of the character, amount, or legal status of a debt. 

15 U.S.C. 1692e ( 9 ) Use of documents that falsely appear to be authorized, issued, or approved by a court or government agency. 

15 U.S.C. 1692e ( 11 ) Failure to disclose that the communication is from a debt collector. 

LVNV continued to act as if the debt were valid and collectible despite having no proof of ownership, which is a deceptive and unlawful practice. 



XXXX. XXXX County Court of XXXX XXXX Is Acting as a ThirdParty Debt Collector XXXX County Court of XXXX XXXX is enforcing wage garnishments on behalf of LVNV without any validated debt, effectively functioning as a thirdparty debt collector. 

The court is garnishing the wages of XXXX XXXX, an essential worker employed by the XXXX XXXX XXXX XXXX, despite : - No verified ownership by LVNV - No lawful standing established - No validated debt - No dueprocesscompliant proof of claim This conduct violates 15 U.S.C. 1692e ( 9 ) by giving the false impression that the debt is governmentverified or governmentauthorized when it is not. 



XXXX. XXXX XXXX Is Not Operating as a Government Entity Based on Its Tax Classification XXXX County Court of  XXXX XXXX presents itself as a governmental authority while operating, for tax and financial purposes, as a municipal corporation, not a traditional government agency. This creates a deceptive appearance of government power. 

Based on publicly available records : - XXXX Countys EIN classification identifies it as a corporate entity, not a federal or state governmental agency - IRS Form 4506T filings confirm it files documentation consistent with a taxable municipal corporation - XXXX County is registered with XXXX XXXX XXXX and assigned a DUNS corporate identifier, which is used for private and commercial entities Because XXXX County functions as a corporate municipal entity, its participation in wage garnishment constitutes thirdparty debt collection, not a governmental enforcement action. 

By presenting itself as a government agency while acting as a corporate collector, XXXX County is engaging in conduct prohibited under : - 15 U.S.C. 1692e ( 2 ) misrepresenting the character or legal status of a debt - 15 U.S.C. 1692e ( 9 ) falsely implying governmental authorization - 15 U.S.C. 1692e ( 11 ) failing to disclose that the action is part of a debt collection effort This misrepresentation creates the false impression that the garnishment is a lawful government action, when in fact it is a corporate collection activity carried out without validated debt and without lawful standing. 



XXXX. Harm to the Consumer As a result of these unlawful actions : - Wages are being taken from an essential healthcare worker without lawful basis - Income needed for basic living expenses is being diverted- The consumers federal rights have been violated - A corporate entity is misrepresenting itself as a government authority - LVNVs unvalidated debt is being enforced through a system that appears official but is not XXXX. Relief Requested I respectfully request that the FTC : - Investigate LVNV Funding, LLC for repeated FDCPA violations- Investigate XXXX County Court of XXXX XXXX for misrepresenting itself as a governmental authority - Review XXXX Countys corporate status and its use of garnishment as a debt collection tool - Require LVNV to cease all collection activity until lawful validation is provided - Require restitution for wages unlawfully taken - Issue corrective action to prevent further misuse of court processes for unvalidated debts Verification I affirm that the information provided in this complaint is true and accurate to the best of my knowledge. 

Submitted by : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief