Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
NATURE OF COMPLAINT On XX/XX/XXXX, I received an email communication from XXXX XXXX XXXX XXXX attempting to collect a debt allegedly owed to LVNV Funding LLC. Upon careful review of this communication against the requirements of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq., and Regulation F, XXXX C.F.R. Part XXXX, I have identified multiple serious violations that render this communication non-compliant with federal law. 

DETAILED VIOLATIONS VIOLATION XXXX : Missing Itemization Date Identification Statutory Authority : XXXX C.F.R. XXXX ( c ) ( XXXX ) ( vi ) Regulation F Requirement : The regulation requires debt XXXX to clearly identify which of XXXX specific reference dates is being used as the itemization date : ( XXXX ) the last statement date, ( XXXX ) the charge-off date, ( XXXX ) the last payment date, ( XXXX ) the transaction date, or ( XXXX ) the judgment date. 
Violation : The email from XXXX XXXX XXXX completely fails to provide ANY itemization date. While the communication mentions a payment of {$100.00} on XX/XX/XXXX, this is not identified as the itemization date. The email provides no clear reference point from which the balance was calculated. This omission makes it impossible for the consumer to verify the accuracy of the claimed balance or understand how the debt was calculated. 
Comment XXXX ( b ) ( XXXX ) XXXX XXXX : The CFPB XXXX XXXX requires selection of XXXX of XXXX specific reference dates. Failure to identify which date type is being used constitutes a clear violation. 
VIOLATION XXXX : Missing Required Debt Itemization Statutory Authority : XXXX C.F.R. XXXX ( c ) ( XXXX ) ( XXXX ) Regulation F Requirement : Debt XXXX must provide an itemization showing the following components since the itemization date : ( XXXX ) interest charged, ( XXXX ) fees assessed, ( XXXX ) payments applied, and ( XXXX ) credits applied. 
Violation : The communication contains NO itemization whatsoever. The email simply states a total balance of {$2100.00} without any breakdown of how this figure was calculated. There is no accounting of : Principal amount on the itemization date Interest charged since the itemization date Fees assessed since the itemization date Payments applied since the itemization date Credits applied since the itemization date Comment XXXX ( c ) ( XXXX ) ( XXXX ) XXXX Mandate : The Official Commentary explicitly states : " A debt collector XXXX not leave a required field blank. '' The complete absence of itemization fields constitutes a clear violation of this mandate. 
VIOLATION XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX C.F.R. XXXX ( c ) ( XXXX ) and XXXX XXXX. XXXX FDCPA and Regulation F Requirements : Within XXXX days of the initial communication, a debt collector must provide written notice containing specific validation period information, including : The end date of the XXXX validation period Statement that the consumer has the right to dispute the debt within this period Statement that the debt will be assumed valid if not disputed Right to request written verification of the debt Right to request the name and address of the original creditor Violation : The email communication contains NONE of these required disclosures. There is no mention of any validation period, no end date specified, no statement regarding consumer rights to dispute, and no information about requesting verification or original creditor information. This represents a fundamental failure to comply with the FDCPA 's core consumer protection requirements. 
VIOLATION XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX C.F.R. XXXX ( c ) ( XXXX ) Regulation F Requirement : Debt XXXX must include consumer response information that contains : A tear-off or fillable dispute form Pre-written dispute options for the consumer Space for the consumer to indicate dispute reasons Clear instructions for returning the dispute Violation : The email provides no consumer response form, no pre-written dispute options, and no clear instructions for disputing the debt. The only options presented are payment-related ( View Account Info, Accept This Offer Online ), which do not satisfy the requirement for a proper dispute mechanism. This failure to provide a consumer response form deprives the consumer of a clear path to exercise their legal rights. 
VIOLATION XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX C.F.R. XXXX Regulation F Requirement : When communicating electronically with consumers, debt XXXX must : Obtain prior consumer consent for electronic communications Renew consent every 60 days Provide a clear and conspicuous opt-out mechanism Concern : This communication was sent via email. I do not recall providing prior consent for electronic communications regarding this debt. The email 's opt-out mechanism is buried at the bottom of the communication and is not presented in a clear and conspicuous manner as required by Regulation F.

Company response to consumer: Closed with explanation