Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Illegal Debt Parking by this company, Resurgent Capital Services, on XX/XX/XXXX, discovered on my Experian personal credit report on XX/XX/XXXX. 
I have never received any correspondence or calls from this company, nor have I ever heard of them until today. I have had the same address since XX/XX/XXXX and receive all my mail at the address listed below in all my credit files. As of today 's date, I just sent this Validation of debt letter to the company via their website : Resurgent.com. They have illegally parked this debt below without letting me legally validate it or contest it. 


XXXX A XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Resurgent Capital Services XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX RE : Illegal Debt Parking Reference Number : XXXX Unsecured Premier Finance Credit Card XXXX Alleged Balance Due as of XX/XX/XXXX : {$8000.00} XXXX Credit Report dated XX/XX/XXXX. 

Dear Resurgent Capital Services : VALIDATION OF DEBT 1. Your claim is disputed, and validation is demanded. I require proof of who the personal guarantor of this debt is by sending me within 30 days, from the date of this letter, the original wet signed loan agreement of who is personally liable for this debt.

2. Within the original loan agreement from XXXX XXXX Credit Card on file, there is an arbitration clause, so further collection of this debt is void without first completing Arbitration in the local Court of Common Pleas in Pennsylvania.

3. If you continue your attempts to collect this debt or seek judgement for the payment of this debt, without first providing all accurate written documentation I have requested, you will be in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ).

4. You must cease and desist all further collection attempts, including any contact with myself, others, or attempt to sell this debt ; or report this debt as delinquent to all business and personal credit reporting entities if you fail to provide the demanded documentation listed in this correspondence or a Class Action Lawsuit will be following within 60 days of the date of this letter.

5. In addition, the above debt can not accrue any fees or interest beyond what is allowed by state law, or by contract with the original creditor.

6. I demand proof that you are licensed to collect and practice collection law in the state of Pennsylvania.

7. You have illegally Debt parked a collection account on my XXXX Credit Report in the amount of {$8000.00} without first allowing me to have this alleged debt validated in direct violation of the Fair Debt Collections Practice Act and have violated multiple consumer, state and federal laws and if not removed immediately a lawsuit will be in order. 

I look forward to receiving all the original wet signed guarantor agreement documents by XX/XX/XXXX, showing proof of your alleged debt that you are claiming I in fact owe.

Any further correspondence sent must only be by U.S. Mail, with a name and signature, and not a template from your organization, or you will receive no further correspondence from me due to potentially fraudulent activity.

This is an official letter, not a template and should be taken seriously and considered a legal document and will be filed with a motion to compel Arbitration. 


Sincerely, XXXX XXXX XXXX CC : File, CFPB

Company response to consumer: Closed with non-monetary relief