ComplaintsforResurgent Capital Services LP

• Initial Complaint

  11/29/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I had received a couple of emails from resurgent that came off as scammy, so I ignored them. Fast forward a couple of months, and I opened one because it said I owed money. I read the email and it mentions I have two accounts with them, and I need to pay them off. I keep up with my finances and know that I don't owe any money to any collections agencies. I do some research, and I call them the next day. Come to find out, I do not have any account with them and they have made a mistake. So, I ask them to send me an email stating that the accounts that were listed under my name and email were not actually mine. They refused to send an email clarifying their mistake and said they would only take my email off the account. I talked to 3 different customer service agents and they would not help me and just hung up on me. I assume they took my email off the account, but after this whole ordeal, now they have all of my information (social, address, email, name) and they would not send me anything in writing stating that I did not owe anything related to these accounts because they stated they didn't have any of my information (even though i had to give them everything).

  Customer response

  12/05/2023

  
  
  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ****** *****

  

  Business response

  12/06/2023

  December 4, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ****** *****; Case/File No. ********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received December 1,
  2023 After researching this matter, it has been determined ****** ***** is not the responsible party on the
  accounts. ****** ***** should no longer be contacted by Resurgent Capital Services L.P. (“Resurgent”) or
  any company hired by us regarding the accounts. We apologize for any inconvenience ****** ***** may
  have experienced.
  
  Respectfully,
  
  
  Drew
  Compliance Department
  Resurgent Capital Services L.P.
  

• Initial Complaint

  10/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  LVNV funding LLC is reporting inaccurate and unverifiable information. The account number ************ can not verified under personal information with LVNV funding llc. I am requesting that LVNV funding LLC delete this account from my credit profile under the FCRA section 609 and 605B. Section 609 states every consumer reporting agency should be reporting accurate, verifiable information to the consumer credit report. If the information is not accurate or verifiable it should be deleted. LVNV funding could not verify that my social matched the social they had for account ending in ****. Under section 605B(a)(1)(2) of the FCRA LVNV funding, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted in identity theft, not later than 4 business days after the date of receipt by such agency a copy of an identity theft report

  

  Business response

  11/07/2023

  October 30, 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 October 23, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the Account.
  
  If ****** ****** believes we have contacted the incorrect person, we ask that they provide proof
  of their Social Security Number.
  
  If ****** ****** believes this Account to be fraudulent, we ask that they provide a completed
  police/incident report in order to help us resolve the matter. 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,
  
  
  
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.

  

  Business response

  11/07/2023

  October 30, 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 October 23, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the Account.
  
  If ****** ****** believes we have contacted the incorrect person, we ask that they provide proof
  of their Social Security Number.
  
  If ****** ****** believes this Account to be fraudulent, we ask that they provide a completed
  police/incident report in order to help us resolve the matter. 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,
  
  
  
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  08/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ** ***** **** *****. I do not have a contract with Resurgent Capital Services. They did not provide me with the original contract as I requested.

  

  Business response

  09/07/2023

  September 1, 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. Rigdon:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received August 28, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on January 31, 2023. Resurgent Capital Services L.P. (“Resurgent”)
  is the servicer of the Account.
  
  Resurgent and the Current Owner comply with all applicable regulatory and licensing requirements
  in each state where they operate. Specific information regarding licensing can be found on the appropriate
  regulator’s website.
  
  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 April 10, 2021 with ***** **** * ***** and was opened with *******.
  The last payment in the amount of $250.00 was received on August 11, 2022. The Account charged off on
  January 27, 2023 with a balance of $2,940.96. No payments have been received on the Account since it
  was acquired by the Current Owner. The current Account balance is $2,940.96.
  
  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, a request to update the Current Owner’s tradeline for this Account to disputed will be
  submitted to the credit bureaus during the next reporting cycle.
  
  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 containing verification of debt was mailed to ******** ******* on August 25,
  2023. This Account has been properly verified as required by the Fair Debt Collection Practices Act.
  
  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.
  
  ******** *******’s August 28, 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,
  
  
  Drew
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  08/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  im not liable for this debt with resurgent capital services I do not have a contract with the collection agency and they did not provide me with the original contact as I requested

  

  Business response

  09/07/2023

  August 30, 2023
  
  Brianna M*******
  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. M*******:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received August 9, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on April 27, 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 December 7, 2019 with ******* and was opened with Avant. The
  Account charged off on October 31, 2020 with a balance of $573.74. No payments have been received on
  the Account since it was acquired by the Current Owner. The current Account balance is $573.74.
  
  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. 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.
  
  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

  08/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ******* or **** ** ********. I do not have a contract with LVNV Funding LLC, Resurgent Capital Services LLC, or ******* ********* ******** **** They did not provide me with the original contract as I requested.

  

  Business response

  08/29/2023

  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. ********
  Reference Numbers: *********; *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received on August 9,
  2023. LVNV Funding LLC (“LVNV”) 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
  ***** *****’ inquiry and believe the following information will address their concerns.
  
  The first account, account number ****************, reference number *********, originated
  with **** ** ******** on May 2, 2018 and was opened with First Access. This account charged off on
  February 28, 2019 with a balance of $461.57. LVNV subsequently acquired this account on June 22,
  2022. No payments have been received on this account since it was acquired by LVNV. The current
  account balance is $461.57.
  
  The second account, account number *******, reference number *********, originated with
  ******* on September 20, 2017. This account charged off on August 20, 2019 with a balance of
  $598.84. LVNV subsequently acquired this account on December 18, 2019. No payments have been
  received on this account since it was acquired by LVNV. The current account balance is $583.84.
  
  The enclosed letters containing verification of debt were mailed to ***** ***** on July 23, 2023 in
  compliance with the Fair Debt Collection Practices Act (“FDCPA”) section 809(15 U.S.C.§ 1692(g)) and
  applicable state and local requirements.
  
  With its purchase of these accounts, LVNV 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 LVNV. In accordance with the Fair Credit Reporting
  Act, LVNV’s 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 ***** *****’ 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

  08/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I do not have any contract with this company also I don't did not give permission to share my information with is company. In according‘s What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2: It also states a customer reporting Agency cannot be furnished a Account without my written instruction 15 USC 1681c. (a) (5)section states: no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years. 15 USC 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that in information is inaccurate.

  

  Business response

  08/29/2023

  August 21, 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 additional concerns submitted by ****** ******* dated August 7,
  2023 regarding the referenced account (the “Account”).
  
  Resurgent has reviewed ****** *******’s additional concerns. From our review, we believe their
  concerns were already addressed in our response to their previous inquiry dated June 28, 2023. We are
  enclosing a copy of our previous response for review. Additionally, we are providing the enclosed
  additional bill statements and terms and conditions on file for 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. 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

  08/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for the debt with ******* ***. I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as requested.

  

  Business response

  08/29/2023

  August 21, 2023
  
  Brianna M*******
  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. M*******:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received August 7, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on November 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 June 26, 2019 with ******* **** **** The Account charged off on
  September 28, 2021 with a balance of $393.92. No payments have been received on the Account since it
  was acquired by the Current Owner. The current Account balance is $393.92.
  
  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. 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.
  
  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

  07/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I never signed contact with company and would like for them to stop harassing for an account I don’t know anything about and what really gets me is how the y are reporting false info I would this removed from my credit report

  

  Business response

  09/05/2023

  August 23, 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 August 8, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on November 15, 2017. 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 September 18, 2015 with ****** *** ***** **** The Account charged
  off on October 24, 2017 with a balance of $822.03. No payments have been received on the Account since
  it was acquired by the Current Owner. The current Account balance is $822.03.
  
  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,
  
  
  Becky
  Manager, Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  07/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debit with Resurgent/LVNV Funding, I do not have a contract with **** **** or ****** **** They did not provide the original contract as requested.

  

  Business response

  09/05/2023

  August 24, 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 on August 8,
  2023. LVNV Funding LLC (“LVNV”) 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 November 10, 2017. This account charged off on February 11, 2021 with a
  balance of $5,369.70. LVNV subsequently acquired this account on March 24, 2021.
  
  A lawsuit is currently pending on the account ending in **** with case number ** *** *** in
  the General Court of Justice, District Court Division, Edgecombe County, North Carolina. As this case is
  still pending, Resurgent is unable to respond to ****** ******’s concerns at this time. If ****** ******
  wishes to contact our third-party servicer handling this lawsuit, they may call ******* * ******* **** at
  ************.
  
  The second account, account number ****************, reference number *********,
  originated with ****** *** ***** **** on April 7, 2011. This account charged off on November 7, 2021
  with a balance of $2,317.30. LVNV subsequently acquired this account on December 15, 2021. No
  payments have been received on this account since it was acquired by LVNV. The current account
  balance is $2,317.30.
  
  We are providing the enclosed account summary for the account ending in **** 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 ending in ****, LVNV 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 LVNV. Based on information contained in our 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 dispute 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,
  
  
  Becky
  Manager, Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  06/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am continuing to receive collection notices from this company, This account is/has been closed since 2016, They have sent me false information that I have made a payment in 2019. This collection should have already fallen off my credit report, yet it keeps being sold to new creditors and restarting the opening date which reflects on my credit as new. Negative re aging is illegal and it is a violation of the fair credit reporting act.

  

  Business response

  08/09/2023

  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: LVNV Funding 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”). 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
  Alma Vargas’s inquiry and believe the following information will address their concerns.
  
  The Account originated on August 10, 2015 with ******** **** and was opened with
  ********* ******. The last payment in the amount of $42.00 was received on January 16, 2019. The
  Account charged off on July 31, 2019 with a balance of $707.96. No payments have been received on the
  Account since it was acquired by the Current Owner. The current Account balance is $707.96.
  ENCLOSURES on file for the Account are enclosed for review.
  
  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.
  
  Resurgent received the electronic disputes that Alma Vargas 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.
  Alma Vargas’s letter asserts that Current Owner “re-ages” accounts. Please note that for purchased
  debt, the credit bureaus use the “Open Date” field to reflect the date that the account was purchased by the
  current owner. The credit bureaus use the “Date of First Delinquency” (not the “Open Date”) to determine
  the seven-year period that derogatory information remains on a credit report. The “Date of First
  Delinquency” for this Account is February 16, 2019.
  
  Alma Vargas is correct that the statute of limitations for initiating legal action, such as seeking a
  judgment, has expired; however, the Account balance is still owed and collectible as expiration of the statute
  of limitations does not affect their responsibility for the balance due on this Account.
  
  The enclosed letter containing verification of debt was mailed to Alma Vargas on June 15, 2023.
  This Account has been properly verified as required by the Fair Debt Collection Practices Act. I have also
  enclosed the bill statements and terms and conditions on file for the Account.
  
  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 Alma Vargas’s concerns. If there are any further questions,
  comments, or concerns, they may contact Customer Service at **************.
  
  Respectfully,
  
  
  Monique
  Compliance Department
  Resurgent Capital Services L.P.
  

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