Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a XXXX senior citizen in Texas, suffering from XXXX illnesses. My husband ( XXXX ) is also severely ill. We survive solely on low Social Security income and are legally judgment-proof in Texas. This collection action by Resurgent Capital Services and LVNV Funding is causing severe emotional distress, forcing us to delay critical medical procedures due to financial and physical stress. I have clearly indicated we are judgment proof and dont even have enough money monthly to survive all of our needs. The collection attempts stem from an alleged old XXXX XXXX debt ( Origination : XX/XX/XXXX ). XXXX XXXX completely ceased operations and legal existence by XX/XX/XXXX when it was acquired by XXXX XXXX. Because XXXX ceased to exist in XX/XX/XXXX, any alleged contract being used by Resurgent Capital Services and LVNV Funding LLC was cancelled, altered or rewritten by XXXX XXXX without reference to XXXX XXXX and some provisions were actually changed in new contracts. I contacted free Senior Legal Aid provided in Texas as to addressing my rights while addressing this issue. If one looks online for information, it is well known and documented that many errors were made in the transfer of the XXXX debts to XXXX, resulting in complaints and lawsuits by people disputing the validity of debts. I was contacted in XXXX regarding this debt by an independent Attorneys Office and supplied them with my dispute of the debt. I assumed the issue had been resolved because I did not receive any further contact after this situation and heard nothing further until Resurgent and LVNV funding contacted me in XXXX of XXXX. In this process, Resurgent has indicated that they got chain of title information from XXXX XXXX, who I have had no dealings with at all. I indicated the reasons why I was disputing the debt to Resurgent and LVNV Funding and labeled my letter as a notice to cease communication unless they were providing some contract signed by me so that I could see what they were viewing from XXXX XXXX or bills of transfer and sale establishing verifiable transfers of the debt from XXXX XXXX to all of the parties mentioned herein ending with Resurgent Capital Services or LVNV Funding since some lawsuits cited online also say sale of some accounts were to only one of the two entities and not the final entity addressing the collection and claiming to be the owner OR I said I would allow the contact if they were indicating they intend to sue me. I did this cease communication notice boldly at the top of two successive letters very clearly, sent the letters via certified mail, and the most recent follow up from Resurgent Capital Services and LVNV Funding simply still provides no documented chain of title and only a simple half page statement of claimed dates regarding the account and includes a statement that says This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor. In the most recent communication from them, they say, instead of giving me the full chain of title information, that they are disputing my dispute of the debt because I am not providing sufficient information to support my claim that there is likely an error or inaccuracy in the files of information they have. This seems somewhat pompous to me when they wont even show me the documented information that they are basing their hard-core press on me with. And quite frankly, I would ask for full discovery on this information if I am taken to court. I have been told that Resurgent and LVNV are violating 15 U.S.C. 1692g and 15 U.S.C. 1692e by refusing to provide a complete, unbroken chain of title or legal assignment proving they own this specific account. They refuse to clarify if they intend to sue, although they allude to the possibility, and yet they refuse to stop communicating. I have explicitly instructed them in writing to cease communication unless providing proof or notice of a lawsuit, but they continue to mail me incomplete data briefs while demanding that I " substantiate '' why I do not owe them money. All of this also seems vindictive and pointless since I have delineated that I am considered judgment proof in Texas with no assets or cash and only limited Social Security and life-threatening illness for both I and my husband. I understand they might get lucky and get a judgment but there would be nothing to collect and neither of us are able to work any longer. And, if sued, I would go to court if I am not in the hospital at the time and state my case as best I can. This feels like an attempt at harassment of an elderly sick person because the debt collector thinks that they at least can coerce some payment because the person is upset and might pay something to escape the ongoing trauma and threats of a lawsuit. People like me can not afford an attorney, which is why I called the free Senior Legal Aid. After speaking with Senior Legal Aid, I now demand that Resurgent and LVNV Funding immediately cease all communication, close this account, and stop reporting incomplete information regarding this unverified, disputed debt. ________________________________________

Company response to consumer: Closed with explanation