Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Summary of Complaint I am filing this formal complaint against XXXX XXXX Bank, XXXX. due to their ongoing failure to lawfully address multiple disputes regarding XXXX XXXX XXXX  accounts. The alleged balances now being reported are the direct result of XXXXXXXX XXXX internal processing errors, which occurred prior to the closure of both accounts in XX/XX/XXXX. At the time of closure, I was not notified of any errors or outstanding balance. I had no knowledge that any amount was owed and received no explanation or notice of these issues from XXXX XXXX Bank. 

These accounts should have been resolved or closed with a {$0.00} balance, and I should not be held responsible for errors resulting from XXXX XXXX internal system or processing failures. I dispute the validity of the amounts being reported and reject any liability for the debts. 

Dispute History I have submitted formal disputes to XXXX XXXX Bank XXXX times : First dispute : XX/XX/XXXX Second dispute : XX/XX/XXXX Third dispute : Late XX/XX/XXXX Despite these repeated efforts, XXXX XXXX Bank has failed to comply with federal requirements under the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( XXXX ), and Truth in Lending Act ( TILA ). They have not provided the documentation required to validate the reported debts or explain how the balances were calculated. 

Account-Specific Violations Alleged Balance : {$6700.00} Credit Limit : {$500.00} Issues : A balance of over XXXX times the credit limit was reported to Resurgent Capital Services XXXX 

No billing statements or transaction records from the active account period were provided. 

The only document supplied was a post-closure XX/XX/XXXX statement, showing an entirely different balance of {$1700.00}. 

There is no record of over-limit authorization, and no legal billing justification has been offered. 

XXXX XXXX has not explained how a {$500.00} credit line could result in a $ XXXX balance. 


Alleged Balance : {$2400.00} XXXX XXXX : {$300.00} Issues : The only documentation provided post-dispute showed a balance of {$810.00}, more than double the credit limit. 

No contemporaneous billing records or charge justifications were provided. 

The Account XXXX Report from XXXX XXXX is not a legitimate billing statement and lacks the legally required level of transactional detail. 

At no time before account closure was I advised of this balance or any over-limit activity. 

Root Cause : XXXX XXXX Processing Errors Both accounts were affected by processing errors within XXXX XXXX systems that occurred before the accounts were closed. I was never informed of these errors, and no corrected statements or notices were sent to me during the life of the accounts. The alleged balances were only discovered after account closure, when they were reported to the XXXX XXXX  and referred to XXXX XXXX XXXX for collection. 

Under the XXXX XXXX Billing Act ( XXXX XXXX. XXXX ), creditors are prohibited from collecting or reporting charges that stem from billing errorsincluding internal processing failuresuntil a proper investigation is completed and supporting documentation is provided to the consumer. It is illegal to hold a consumer financially responsible for balances arising from such errors unless the creditor has complied with these dispute resolution obligations. XXXX XXXX has failed to meet this legal standard. 

This failure to detect or disclose internal errors during the accounts lifecycleand their continued effort to collect and report these chargesdirectly violates federal billing protections. I maintain that I am not legally or contractually responsible for any amount generated due to XXXX XXXX own processing errors. 

Violations of XXXX XXXX XXXX XXXX Bank has violated the following statutes : FCRA XXXX ( a ) : Reporting inaccurate or unverifiable information FCRA XXXX ( a ) : Failure to conduct a lawful reinvestigation upon dispute XXXX XXXX : Failure to resolve billing disputes based on original documentation TILA XXXX et seq. : Charging over-limit fees without prior consumer consent XXXX XXXX This situation has XXXX impacted my XXXX  profile, subjected me to unauthorized collection attempts, and caused significant XXXX. The reported debts stem from XXXX XXXX internal errorsnot from any legitimate consumer transaction. Their refusal to fully investigate and correct their mistake after XXXX formal disputes has left me with no alternative but to seek assistance from the CFPB. 

Relief Requested I respectfully request that the CFPB : Investigate XXXX XXXXXXXX Banks failure to respond lawfully to multiple disputes. 

Require immediate and permanent deletion of Both accounts from : XXXX XXXX XXXX  Resurgent Capital Services and any other XXXX XXXX Ensure XXXX  XXXX acknowledges and corrects its internal processing errors and stops all reporting and collection efforts. 

Provide written proof of account deletions and resolution within a reasonable timeframe. 

Supporting Evidence Available I can provide : XXXX XXXX limited and insufficient responses Statements provided after account closure ( or lack thereof ) Evidence of original credit limits ( shown on statement ) Contradictions and inconsistencies in their reporting

Company response to consumer: Closed with non-monetary relief