Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
FOUR DOCUMENTED VIOLATIONS OF FEDERAL CEASE AND DESIST LAW Between XX/XX/2025 and XX/XX/2025, LVNV Funding LLC and Resurgent Capital Services LP systematically violated 15 U.S.C. 1692c ( c ) by continuing debt collection communications after receiving certified cease and desist letters. 

VIOLATION TIMELINE : First Violation - XX/XX/2025 : On XX/XX/2025, I sent a comprehensive cease and desist letter to LVNV Funding LLC via certified mail demanding cessation of all communication per federal law. LVNV received this letter on XX/XX/2025 ( confirmed by USPS delivery receipt ). Despite receiving my legal demand, Resurgent Capital Services LP sent a collection response letter dated XX/XX/2025, violating 15 U.S.C. 1692c ( c ). 

Second Violation - XX/XX/2025 : On XX/XX/2025, I sent a second cease and desist letter via certified mail to both LVNV Funding LLC and Resurgent Capital Services LP, demanding immediate cessation of all communication. Both companies received these letters on XX/XX/2025 ( confirmed by USPS delivery receipts ). Despite receiving my legal demand, Resurgent sent another collection response letter dated XX/XX/2025, constituting a second violation of federal law. 

Third Violation - XX/XX/2025 : On XX/XX/2025, I sent a third cease and desist letter via certified mail to Resurgent Capital Services LP, again demanding cessation of all communication per 15 U.S.C. 1692c ( c ). Resurgent received this letter on XX/XX/2025 ( confirmed by USPS delivery receipt ). Despite receiving my legal demand, Resurgent sent another collection response letter dated XX/XX/2025, constituting a third violation of federal law. 

INADEQUATE DEBT VALIDATION : In addition to cease and desist violations, I requested comprehensive debt validation under 15 U.S.C. 1692g including : original signed credit agreement, complete chain of assignments from XXXX XXXX XXXX  to LVNV, proof of legal standing to collect, and detailed accounting of the claimed {$780.00} balance. Despite multiple requests, the companies provided only generic account summaries and old credit card statements, failing to provide adequate validation required under federal law. 

PATTERN OF WILLFUL VIOLATIONS : This systematic pattern of violations demonstrates willful disregard for federal consumer protection law. Each violation occurred after certified mail delivery confirmation, proving the companies received and ignored my legal rights under the Fair Debt Collection Practices Act. 

CREDIT REPORTING VIOLATIONS : The companies continue reporting negative information to all three credit bureaus without establishing permissible purpose under the Fair Credit Reporting Act, creating additional consumer harm through damaged credit scores and denial of credit opportunities. 

CONSUMER HARM : These violations caused significant emotional distress, time defending against illegal collection activities, and ongoing credit damage. Despite multiple good faith attempts to resolve this matter through proper legal channels, the companies continue systematic violations requiring federal regulatory intervention.

Company response to consumer: Closed with explanation