ComplaintsforResurgent Receivables, LLC

• Initial Complaint

  08/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Great morning. I am a consumer reporting and filing complaint against collection agency due to failure and neglectful actions towards my credit and character. On 6/29/23, I mailed a certified letter to Resurgent Receivable to their mailing address noted on all 3 of my credit bureaus, which is **** * ******** ** *** * ** *** ***** ****** , which is not the same address that they have on their website, or that they report here. I sent a letter because they are reporting me and defaming my character with all 3 bureaus, and they have yet to validate this debt, as per FCRA, they require to do, within 45 days of consumer rquest. I requested on above date, that they validate this date with my name, original creditor, original balance, my ID, and my signature proving that I agreed to the debt they claim I owe. As of today, is over 45 days, but they are yet to validate debt, and to remove the collection information on all 3 credit bureaus. Their actions are neglectful at this time, and it is a serious violation of my consumer rights. I have emailed them, as of today, stating that they are now grounds for lawsuit. I need them to update my credit file and remove this debt, that I have disputed with ********, ******* and **********, but they say it is correct, and it is not. If my records are not updated within the next week to 10 days, I will have no option but to file lawsuit against this collection company, for defamation of character, and neglect to consumer rights. Thank you, and please, update all 3 credit bureaus, since I have denied, disputed, and requested validation of debt over 3 times, but they fail to validate and remove. Thanks

  Business response

  08/23/2023

  August 16, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* ****** *****; Case/File No. ********
  Account Number: ****************
  Original Creditor: ****** *** ***** ****
  Current Owner: Resurgent Receivables LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received August 10, 2023
  regarding the referenced account (the “Account”). Resurgent Receivables LLC (“the Current Owner”)
  currently owns the Account, having acquired it on May 14, 2021. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******* ****** *****’s inquiry and believe the following information will address their concerns.
  
  Resurgent is in receipt of ******* ****** *****’s dispute received via email on August 9, 2023.
  Please allow this letter to serve as a response to that communication also.
  
  The Account originated on January 1, 2021 with ****** *** ***** **** The Account charged off
  on April 19, 2021 with a balance of $543.66. No payments have been received on the Account since it was
  acquired by the Current Owner. The current Account balance is $543.66.
  
  The Account was previously charged off. Charging off an account does not satisfy the debt, nor
  does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner has
  the right to collect the account.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
  Reporting Act, the Current Owner’s tradeline for this Account is being reported as disputed to the credit
  bureaus. It will continue to report as such throughout the permissible reporting period unless new
  information indicates that the dispute should be removed. We have confirmed that we are reporting the
  Account to the credit bureaus accurately in accordance with credit reporting guidelines. Greyter Torres
  Estol should contact the appropriate credit bureau regarding any information they believe is being reported
  in error.
  Resurgent received the electronic disputes that ******* ****** ***** submitted through the credit
  bureau(s), and in each case Resurgent sent a timely response, providing the bureau(s) with information
  relevant to their dispute.
  
  Resurgent, as master servicer for the Current Owner, uses third-party servicers (“Servicers”) to
  service accounts on its behalf. This Account has been placed with one or more of these Servicers since it
  was acquired by the Current Owner. I have enclosed a copy of the letter our Servicer sent to ******* ****** ***** that provided them with the validation notice as required by the Fair Debt Collection Practices Act
  (“FDCPA”) and that notified them that the Current Owner may report a negative item on their credit report.
  
  The complaint states that Resurgent violated the Fair Debt Collection Practices Act (“FDCPA”)
  because we did not respond to their inquiry within 30 days. Although Resurgent makes every effort to
  respond promptly to all customer requests, the FDCPA does not require us to do so within a specific
  timeframe. The FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion
  thereof, until verification (or a response to the dispute) is mailed to the customer.
  
  Please note that as of the date of this communication, we have not received the dispute dated June
  29, 2023. If ******* ****** ***** has tracking number for this correspondence or any other documentation
  regarding their dispute, we ask that they please forward it to:
  
  Compliance Department or Fax: ************
  MS 250 Attn: Compliance
  **** *** ***** *********** ** *****
  
  The enclosed letters containing verification of debt were mailed to ******* ****** ***** on June 2,
  2021 and July 22, 2021. This Account has been properly verified as required by the Fair Debt Collection
  Practices Act. I have also enclosed the terms and conditions and bill statements on file for the Account.
  
  Resurgent’s goal is to adhere to all state and federal laws and regulations concerning the collection
  of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the
  Account, we found no evidence of the mishandlings alleged in the inquiry.
  
  I hope my response has addressed all of ******* ****** *****’s concerns. If there are any further
  questions, comments, or concerns, they may contact Customer Service at **************.
  
  Respectfully,
  
  
  Teisha
  Compliance Department
  Resurgent Capital Services L.P.
  

• Initial Complaint

  07/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ****** ***. I do not have a contract with RESURGENT RECEIVABLES. They did not provide the original contract as I requested, second complaint is date of birth of the account holder is Jan. 21, 1990 my d.o.b is Jan 21, 2000. I demand this account be removed from my credit report.

  Business response

  08/29/2023

  August 22, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* ****; Case/File No. ********
  Account Number: ****************
  Original Creditor: ****** *** ***** ****
  Current Owner: Resurgent Receivables LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received August 8, 2023
  regarding the referenced account (the “Account”). Resurgent Receivables LLC (“the Current Owner”)
  currently owns the Account, having acquired it on July 22, 2020. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******* ****’s inquiry and believe the following information will address their concerns.
  
  The Account originated on December 12, 2017 with ****** *** ***** **** The last payment in
  the amount of $57.00 was received on November 2, 2019. The Account charged off on June 24, 2020 with
  a balance of $802.19. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $802.19. Bill statements and terms and conditions on file for the
  Account are enclosed for review.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
  Reporting Act, the Current Owner’s tradeline for this Account is being reported as disputed to the credit
  bureaus. It will continue to report as such throughout the permissible reporting period unless new
  information indicates that the dispute should be removed.
  
  In addition, if ******* **** has any additional documentation concerning their dispute, such as
  documentation showing their date of birth, we ask that they please forward it to:
  
  Compliance Department or Fax: ************
  MS 250 Attn: Compliance
  **** *** ***** *********** ** *****
  
  I hope my response has addressed all of ******* ****’s concerns. If there are any further questions,
  comments, or concerns, they may contact Customer Service at **************.
  
  Respectfully,
  
  
  Becky
  Manager, Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  06/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm not liable for this debt with ** ****** *** **** * ** I do not have A contract with ** ****** *** **** * *, they did not provide me with the original contract as requested Violation Code: [ 15 USC 1681B PERMISSIBLE PURPOSE ]

  Business response

  07/24/2023

  July 19, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* ******; Case/File No. ********
  Account Number: ****************
  Original Creditor: ****** *** ***** ****
  Current Owner: Resurgent Receivables LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received June 30, 2023
  regarding the referenced account (the “Account”). Resurgent Receivables LLC (“the Current Owner”)
  currently owns the Account, having acquired it on January 18, 2023. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******* ******’s inquiry and believe the following information will address their concerns.
  
  The Account originated on July 25, 2022 with ****** *** ***** **** The Account charged off on
  December 6, 2022 with a balance of $420.11. No payments have been received on the Account since it was
  acquired by the Current Owner. The current Account balance is $420.11.
  
  We are providing the enclosed account summary as verification of debt in accordance with the Fair
  Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)).
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the
  Account records, the tradeline for this Account should not be deleted; however, it is being reported as
  disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless
  new information indicates that the disputes should be removed.
  
  Resurgent does not condone harassment or unprofessional communication with customers, as it is
  our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
  Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account,
  we found no evidence of the mishandlings alleged in the inquiry.
  
  I hope my response has addressed all of ******* ******’s concerns. If there are any further
  questions, comments, or concerns, they may contact Customer Service at **************.
  
  Respectfully,
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  06/28/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I’m not liable for this debt with ** ****** ***, I do not have a contract with resurgence receivables LLC they did not provide me with the original contract as requested

  Business response

  07/25/2023

  July 16, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ****** ****; Case/File No. ********
  Reference Number: *********; *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received on June 28, 2023.
  Resurgent Receivables LLC (“the Current Owner”) currently owns the two accounts referenced in the
  inquiry. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ****** ****’s inquiry and believe the following information will address their concerns.
  
  The first account, account number ****************, reference number *********, originated
  with ****** *** ***** **** on April 14, 2022. This account charged off on December 2, 2022 with a
  balance of $347.51. The Current Owner subsequently acquired this account on January 18, 2023. No
  payments have been received on this account since it was acquired by the Current Owner. The current
  account balance is $347.51.
  
  The second account, account number ****************, reference number *********,
  originated with ****** *** ***** **** on December 10, 2019. This account charged off on December 2,
  2022 with a balance of $302.95. The Current Owner subsequently acquired this account on January 18,
  2023. No payments have been received on this account since it was acquired by the Current Owner. The
  current account balance is $302.95.
  
  We are providing the enclosed account summaries as verification of debt in accordance with the
  Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)).
  
  With its purchase of these accounts, the Current Owner acquired all ownership rights, including the
  rights to collect on these accounts and to report to the credit bureaus, if eligible. Currently, these accounts
  are being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
  Reporting Act, the Current Owner tradelines for these accounts are being reported as disputed to the credit
  bureaus. They will continue to report as such throughout the permissible reporting period unless new
  information indicates that the disputes should be removed.
  
  I hope my response has addressed all of ****** ****’s concerns. If there are any further questions,
  comments, or concerns, they may contact Customer Service at ***************
  
  Respectfully,
  
  
  Teisha
  Compliance Department
  Resurgent Capital Services L.P.
  

• Initial Complaint

  06/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ****** *** ****, I do not have a contract with Resurgent Receivables LLC, they did not provide me with the original contract as requested.

  Business response

  08/07/2023

  July 28, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* ******; Case/File No. ********
  Account Number: ****************
  Original Creditor: ****** *** ***** ****
  Current Owner: ********* *********** ***
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received June 27, 2023
  regarding the referenced account (the “Account”). ********* *********** *** (“the Current Owner”)
  currently owns the Account, having acquired it on February 18, 2022. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions.
  
  The Account originated on July 11, 2021 with ****** *** ***** ****. The Account charged off on
  January 13, 2022 with a balance of $979.95. The current Account balance is $979.95.
  
  We are providing the enclosed account summary which provides verification of debt.
  
  I hope my response has addressed all of ******* ******** concerns. If there are any further
  questions, comments, or concerns, they may contact Customer Service at **************.
  
  Respectfully,
  
  Compliance Department
  Resurgent Capital Services L.P.
  

• Initial Complaint

  06/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ****** *** ****. I do not have a contract with RESURGENT RECEIVABLES LL. They did not provide mw with the original contract as i requested.

  Business response

  08/07/2023

  July 28, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* *****; Case/File No. ********
  Account Number: ********
  Original Creditor: ****** *** ***** ****
  Current Owner: Resurgent Receivables LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received June 26, 2023
  regarding the referenced account (the “Account”). Resurgent Receivables LLC (“the Current Owner”)
  currently owns the Account, having acquired it on August 17, 2021. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions.
  
  The Account originated on April 28, 2021 with ****** *** ***** ****. The Account charged off
  on July 15, 2021 with a balance of $990.43. The current Account balance is $990.43.
  
  We are providing the enclosed account summary which provides verification of debt.
  
  I hope my response has addressed all of ******* *****’s concerns. If there are any further questions,
  comments, or concerns, they may contact Customer Service at ***************
  
  Respectfully,
  
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  06/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Resurgent Receivables has committed false accusation by putting this fraudulent account on my credit report. Resurgent Receivables also committed an FCRA violation because they pulled my credit report without my permission and while it has a security freeze. Resurgent Receivables has not sent any documentation to prove this alleged debt. Obviously, they have my name mixed with someone else but im suffering for their mishap. I would like for them to remove this account from all credit agencies immediately.

  Business response

  07/19/2023

  June 27, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******** ****; Case/File No. ********
  Account Number: ****************
  Original Creditor: ****** *** ***** ****
  Current Owner: Resurgent Receivables LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received June 20, 2023
  regarding the referenced account (the “Account”). Resurgent Receivables LLC (“the Current Owner”)
  currently owns the Account, having acquired it on August 13, 2020. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******** ****** inquiry and believe the following information will address their concerns.
  
  The Account originated on October 22, 2019 with ****** *** ***** **** The last payment in the
  amount of $39.95 was received on November 29, 2019. The Account charged off on July 6, 2020 with a
  balance of $616.22. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $616.22.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the
  Account records, the tradeline for this Account should not be deleted; however, it is being reported as
  disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless
  new information indicates that the disputes should be removed.
  
  Resurgent has initiated a soft inquiry on ******** ****’s credit report; this activity is considered
  a permissible purpose under the Fair Credit Reporting Act (“FCRA).
  
  I have enclosed a copy of the letter Resurgent sent to ******** **** that provided them with the
  validation notice as required by the Fair Debt Collection Practices Act (“FDCPA”) and that notified them
  that the Current Owner may report a negative item on their credit report.
  
  The enclosed letter(s) containing verification of debt were mailed to ******** **** on August 12,
  2021, August 23, 2021, March 24, 2022, and May 11, 2022. This Account has been properly verified as
  required by the Fair Debt Collection Practices Act. I have also enclosed the bill statements on file for the
  Account. Please note that beginning in February 2020, the enclosed statements show the same address that
  Casandra Baez included in their inquiry.
  
  Resurgent does not condone harassment or unprofessional communication with customers, as it is
  our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After
  investigating the Account, we found no evidence of the mishandlings alleged in the inquiry.
  
  If, after reviewing the above-referenced information, ******** **** believes this Account to be
  fraudulent, we ask that they provide a completed police/incident report in order to help us resolve the matter.
  
  In addition, if ******** **** has any correspondence to/from the previous creditors or any
  additional documentation concerning their dispute, we ask that they please forward it to:
  
  Compliance Department or Fax: ************
  MS 250 Attn: Compliance
  **** *** ***** *********** ** *****
  
  Our records indicate that ******** **** submitted a notice requesting that we cease
  communication with them regarding this Account. When such a request is received, a restriction is placed
  on the Account so that no further contact is made to the customer, except to respond to specific requests
  received from the customer.
  
  I hope my response has addressed all of ******** ****’s concerns. If there are any further
  questions, comments, or concerns, they may contact Customer Service at ***************
  
  Respectfully,
  
  
  Drew
  Compliance Department
  Resurgent Capital Services L.P.
  

• Initial Complaint

  06/15/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I submitted a FTC Identity theft report according to 15 USC 1681c-2(a)(2) to Resurgent and they refuse to comply with federal law and remove the fraudulent account. my credit file is being used to blackmail and extort me into paying a fraudulent debt. federal police report is attached as proof that the account is fraudulent no person verified with first hand knowledge that i open said account the statements that was sent to me was not proven with first hand knowledge nor was is supported by an affidavit.

  Business response

  06/28/2023

  June 20, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: **** ****; Case/File No. ********
  Account Number: ****************
  Original Creditor: **** ** ********
  Current Owner: LVNV Funding LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received June 15, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on December 29, 2022. Resurgent Capital Services L.P. (“Resurgent”)
  is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  **** ****’s inquiry and believe the following information will address their concerns.
  
  The Account originated on May 6, 2022 with **** ** ******** and was opened with ***** *****
  The Account charged off on August 31, 2022 with a balance of $445.00. No payments have been received
  on the Account since it was acquired by the Current Owner. The current Account balance is $445.00.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
  Reporting Act, the Current Owner’s tradeline for this Account is being reported as disputed to the credit
  bureaus. It will continue to report as such throughout the permissible reporting period unless new
  information indicates that the dispute should be removed.
  
  Verification of debt was provided to **** **** on May 3, 2023 in response to their Consumer
  Financial Protection Bureau, case number ***************. The bill statements, terms and conditions,
  and an account summary that were provided with our response are enclosed for your reference. This
  Account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”).
  
  Resurgent does not condone harassment or unprofessional communication with customers, as it is
  our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
  Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account,
  we found no evidence of the mishandlings alleged in the inquiry.
  
  We have reviewed the document provided by **** **** and determined that this documentation is
  not sufficient to resolve this Account as fraud. If, after reviewing the above-referenced information, **** **** believes this Account to be fraudulent, we ask that they provide a completed police/incident report in
  order to help us resolve the matter.
  
  In addition, if **** **** has any correspondence to/from the previous creditors or any additional
  documentation concerning their dispute, we ask that they please forward it to:
  
  Compliance Department or Fax: ************
  MS 250 Attn: Compliance
  **** *** ***** *********** ** *****
  
  **** ****’s June 15, 2023 inquiry contains a request to cease communication with them. We have
  therefore placed a restriction on the Account so that our office initiates no further contact with the customer,
  except to respond to specific requests.
  
  I hope my response has addressed all of **** ****’s concerns. If there are any further questions,
  comments, or concerns, they may contact Customer Service at ***************
  
  Respectfully,
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  06/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Resurgent Receivables, LLC has failed to provide a signature contract signed agreement where ****** ********* agreed to owe $380 Resurgent Receivables LLC. I request that this gets deleted from my credit report.

  Business response

  07/05/2023

  June 25, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ****** *********; Case/File No. ********
  Account Number: ****************
  Original Creditor: ****** *** ***** ****
  Current Owner: Resurgent Receivables LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received June 19, 2023
  regarding the referenced account (the “Account”). Resurgent Receivables LLC (“the Current Owner”)
  currently owns the Account, having acquired it on October 17, 2022. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ****** *********’s inquiry and believe the following information will address their concerns.
  
  The Account originated on December 3, 2021 with ****** *** ***** **** The last payment in the
  amount of $122.90 was received on April 19, 2022. The Account charged off on September 8, 2022 with a
  balance of $380.20. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $380.20.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
  Reporting Act, the Current Owner’s tradeline for this Account is being reported as disputed to the credit
  bureaus. It will continue to report as such throughout the permissible reporting period unless new
  information indicates that the dispute should be removed.
  
  The enclosed letters containing verification of debt were mailed to ****** ********* on December
  9, 2022 and January 19, 2023. This Account has been properly verified as required by the Fair Debt
  Collection Practices Act. I have also enclosed the additional bill statements and terms and conditions on
  file for the Account.
  
  I hope my response has addressed all of ****** *********’s concerns. If there are any further
  questions, comments, or concerns, they may contact Customer Service at **************.
  
  Respectfully,
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.
  

• Initial Complaint

  05/31/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for the debt with ****** *** **** ***. I do not have a contract with Resurgent Receivables, LLC. They did not provide me with the original contract I requested.

  Business response

  06/15/2023

  June 8, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ***** ****; Case/File No. ********
  Reference Numbers: *********, *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received May 31, 2023.
  Resurgent Receivables LLC (“the Current Owner”) currently owns the two accounts referenced in the
  inquiry. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ***** ****’s inquiry and believe the following information will address their concerns.
  
  The first account, account number ****************, reference number *********, originated
  with ****** *** ***** **** on May 1, 2019. The last payment in the amount of $36.00 was received on
  August 10, 2022. This account charged off on January 17, 2023 with a balance of $1,007.33. The Current
  Owner acquired this account on February 16, 2023. No payments have been received on this account
  since it was acquired by the Current Owner. The current account balance is $1,007.33.
  
  The second account, account number ***************, reference number *********,
  originated with ****** *** ***** **** on July 7, 2020. The last payment in the amount of $34.00 was
  received on August 15, 2022. This account charged off on January 17, 2023 with a balance of $931.72.
  The Current Owner acquired this account on February 16, 2023. No payments have been received on this
  account since it was acquired by the Current Owner. The current account balance is $931.72.
  
  With its purchase of these accounts, the Current Owner acquired all ownership rights, including
  the rights to collect on these accounts and to report to the credit bureaus, if eligible. Currently, these
  accounts are being reported to the credit bureaus on behalf of the Current Owner. Based on information
  contained in our account records, the tradelines for these accounts should not be deleted; however, they
  are being reported as disputed to the credit bureaus. They will continue to report as such for the remaining
  reporting period unless new information indicates that the disputes should be removed.
  
  The enclosed letters containing verification of debt were mailed to ***** **** on March 22,
  2023 and April 17, 2023 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). We are
  also providing the terms and conditions and the bill statements on file for the accounts.
  
  I hope my response has addressed all of ***** ****’s concerns. If there are any further
  questions, comments, or concerns, they may contact Customer Service at **************.
  
  Respectfully,
  
  
  Drew
  Compliance Department
  Resurgent Capital Services L.P.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩