Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Resurgent Capital Services, Resurgent Correspondence XXXX XXXX XXXX XXXX, SC XXXX Re : Alleged Debt Collection Concerning Account Reference Number : Account Number : Ending in XXXX Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX Owner : Resurgent Receivables LLC Resurgent ID : XXXX NOTICE OF FORMAL DISPUTE & DEMAND FOR LEGAL COMPLIANCE To Whom It XXXX Concern, This letter serves as formal notice of dispute regarding the alleged obligation referenced above. Your attempt to collect on this account constitutes a claim requiring strict compliance with federal and state consumer protection laws. Your collection efforts appear to be in bad faith and in direct violation of XXXX XXXX. XXXX et seq., raising material legal concerns regarding securitization, standing, and misrepresentation of the nature of this obligation. 

You are hereby placed on notice that failure to comply with the demands outlined below will result in immediate legal action, regulatory filings, and pursuit of statutory damages under federal and state law. Additionally, if this matter is referred to a law firm for litigation, I will move for immediate sanctions and file formal complaints with the state bar against any attorney involved, as they would be knowingly advancing a claim without standing in violation of ethical standards. 

I. FAILURE TO PROVE LEGAL STANDING & SECURITIZATION CHALLENGE Under federal law, the nature of an obligation fundamentally changes when it is securitized. The Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( XXXX ), defines a debt as an obligation owed to a creditor. However, securitization removes the legal classification of an obligation as a debt and converts it into an investment-backed security. If this alleged account has been securitized, the receivables were bundled into an asset-backed security ( ABS ) and sold to investors, severing any legal claim you XXXX have under traditional debt collection laws. 
If the original creditor sold, assigned, or securitized this account, your firm lacks standing to collect or enforce any claim in a judicial or non-judicial forum. 
If your firm can not produce a full chain of title proving direct ownership, your collection efforts are a deceptive and unfair practice under XXXX XXXX. XXXX and XXXX. 
Any attempt to misrepresent a securitized receivable as a collectible debt constitutes material fraud and exposes your firm to litigation and regulatory scrutiny. 

XXXX. DEMAND FOR STRICT PROOF OF LEGAL OWNERSHIP Pursuant to XXXX U.S.C. XXXX ( b ), I formally dispute the validity of this claim. Your firm must provide : XXXX. XXXX of XXXX XXXX Was this account transferred into a securitization trust? 
Provide the XXXX & XXXX XXXX ( XXXX ) or relevant securitization documents. 
Identify the current beneficial owner of the alleged obligation. 
XXXX. Full Chain of XXXX & Assignment History Produce the original signed contract between the alleged debtor and the original creditor. 
Provide all bills of sale, purchase agreements, and assignments proving your firms legal right to collect. 
Identify the date, method, and price of any sale or transfer of the account. 
XXXX. Clarification of Legal Status : Account XXXX vs. XXXX If the alleged obligation was securitized, it became a tradeable asset, not a consumer debt. 
You must confirm in writing whether you are collecting on a debt or an account receivable assigned to investors. 
If you can not provide the above documentation, your firm lacks legal standing to collect. Continued collection efforts constitute intentional misrepresentation and deceptive practices, warranting legal action. 

XXXX. DEMAND FOR STATUTORY DAMAGES & NOTICE OF PRE-LITIGATION CLAIM Your violations of the FDCPA, state deceptive trade laws, and securitization misrepresentation expose you to legal liability. The following statutory damages are now being assessed : Misrepresentation of the Nature of the Obligation ( XXXX ( XXXX ) ( A ) ) {$1000.00} Attempting to Collect Without Legal Standing ( XXXX ( XXXX ) ) {$1000.00} Based on the above, I am demanding {$2000.00} in statutory damages. If this matter is not resolved, I will initiate legal proceedings, which XXXX include : Filing a lawsuit for violations of the FDCPA and state consumer laws Submitting regulatory complaints with the FTC and XXXX authorities Seeking an injunction against further collection efforts Additionally, if this case is referred to a law firm for litigation, I will immediately move for sanctions against the attorneys involved, as they will be knowingly advancing a claim that is legally indefensible. 

IV. REQUIRED RESPONSE & NEXT STEPS Within XXXX ( XXXX ) days, you must provide : XXXX. A formal cease-and-desist confirmation stating that no further collection attempts will be made until full documentation is produced. 
XXXX. A complete chain of title proving direct ownership and the right to collect. 
XXXX. Confirmation that your firm will comply with all federal and state consumer protection laws moving forward. 

Failure to comply with these demands will be treated as willful non-compliance, resulting in immediate legal escalation. 

This letter shall serve as official notice of dispute and pre-litigation warning under both federal and state law. 

V. FINAL NOTICE TO CEASE UNLAWFUL COLLECTION EFFORTS As this matter now involves legal claims, I demand that your firm immediately cease all collection activity until strict validation has been provided. 
No further collection calls or emails shall be made regarding this disputed claim. 
No negative credit reporting shall be made unless full legal standing is proven. 
No further action shall be taken unless this account is fully validated with proper legal documentation. 

If your firm fails to comply, I reserve all legal rights, including filing a civil lawsuit, pursuing state and federal regulatory action, and seeking punitive damages for willful violations of consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation