Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing to formally address several critical concerns regarding account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I have been actively attempting to resolve. My primary objective is to settle this debt in full and ensure proper documentation of the resolution process. Despite your website 's policy explicitly stating the need for prompt notification of email address changes for electronic document delivery, I have encountered significant challenges in receiving account-related correspondence via my preferred email address, XXXX. During an interaction on XX/XX/year>, I was informed by your staff that electronic document delivery to my email was not feasible, a stance that appears to contradict your stated policy on electronic communications. Furthermore, your " Hardware & Software Requirements '' policy necessitates consistent internet access to retrieve documents electronically. As my internet availability is limited, relying solely on online portal access for critical information presents a substantial barrier to managing my account effectively. I wish to propose a structured payment plan to fully satisfy the outstanding balance of {$1100.00}. My intention is to make an initial payment of {$500.00} on XX/XX/year>, followed by the remaining balance of {$630.00} on XX/XX/year>. I was advised by XXXX from Resurgent that I could not pay payments or the debt will not be removed. I have to pay in full. So XX/XX/year>, the XXXX can be paid in full but I need statements, letter that this debt will fully be removed from the three credit reporting agencies. Not classified as charge off or settlement taken. When I am paying in full this would remain under these terms as a negative inquiry. As I am trying to resolve this with a clear resolution. I called XXXX XXXX XXXX and they refused me to speak to anyone. The number XXXX sent me to Resurgent line. A critical aspect of this resolution for me is the accurate reflection of the payment on my credit report. Upon successful completion of these payments, it is my expectation that this account will be reported as " paid in full '' with a XXXX balance and subsequently removed from all three major credit reporting agencies. I specifically request that this debt not be reported as a " settlement taken '' or a " charge off. '' I understand from a prior conversation with a representative, XXXX, that a two-payment arrangement might not facilitate the removal of the debt from my credit report. I respectfully request written confirmation, prior to initiating these payments, verifying that the account will be removed from all credit reporting agencies once the full amount is received. Additionally, I have previously requested an official statement of this account and written confirmation of the proposed payment agreement and its credit reporting implications. These requests have been declined, with a suggestion to refer to a XXXX XXXX statement, which I do not possess. The absence of comprehensive official documentation regarding my payment arrangement and its anticipated credit reporting outcome is a significant concern. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. I was refused on XX/XX/year>, by XXXX, supervisor XXXX, and XXXX at XXXX at XXXX XXXX. Resurgent/LVNV Funding violated the Fair Debt Collection Practices Act. I was advised by XXXX that I shouldve received this from XXXX XXXX prior. I advised to XXXX I have not received any statements from XXXX XXXX or Resurgent. Requesting this by email. It is not acceptable to be required to go on the internet and download and accept their terms. I should be allowed to get this in writing by email. I was refused after asking multiple times. Due to the aforementioned communication impediments, specifically the inability to receive documents via email and limited internet access for online portals, obtaining this validation has been unduly hindered. I formally request that all official statements, validation of debt, and correspondence regarding my payment plan and its credit reporting resolution be provided to me at my email address : XXXX. Please DO NOT TEXT OR CALL MY PHONE. cease and desist I am committed to resolving this debt responsibly and promptly. I anticipate your immediate attention to these matters and look forward to a professional resolution that accommodates my communication needs while providing the necessary comprehensive documentation.

Company response to consumer: Closed with explanation