Revdex.com:
I have reviewed the response made by the business in reference to complaint ID
***, and have determined that this does not resolve my complaint.
In reviewing Resurgent Capital
Services, LLC's most recent response to Complaint ID ***, the RevDex.com of Upstate South Carolina, and myself (*** ***), I
find that Resurgent Capital Services, LLC has not addressed the issues at
handResurgent Capital Services, LLC merely addressed bullet points and of my previous rejection in their most recent responseThey simply stated there is a "mail box rule" in their response to the Revdex.com and myselfIn my initial rejection, I stated that my first time viewing the documents from both Resurgent Capital Services, LLC and *** * *** Associates, Inc was through this complaintI require ample time to investigate the uploaded documents.As evidenced by my attached documents, that I received from Resurgent Capital Services, LLC dated November 3, 2016, Resurgent failed to adhere to Massachusetts CMR 18.18: 1(c) a statement that
unless the consumer, within thirty days after receipt of the notice, disputes
that validity of the debt, or any portion thereof, the debt will be assumed to
be valid by the debt collector- Resurgent's correspondence does not contain the above statement.Massachusetts CMR
18.18: 1(d) a statement that if the consumer
notifies the debt collector in writing within the thirty-day period that the
debt, or any portion thereof, is disputed, the debt collector will obtain
verification of the debt or a copy of a judgment against the consumer and a
copy of such verification or judgment will be mailed to the consumer by the
debt collector; 1(e) and a statement that, upon the consumer's
written request within the thirty-day period, the debt collector will provide
the consumer with the name and address of the original creditor, if different
from the current creditor.- Resurgent's correspondence does not contain the above statement.Nowhere in Case/File No*** Reference
Number: *** (as referenced in Resurgent's response) did Resurgent
acknowledge my statements in regards toMassachusetts CMR 18.18: 3(a) A debt collector shall provide to a consumer or any attorney for a consumer
within five business days the following: All papers or copies of papers and electronic records, in the possession of
the debt collector which bear the signature of the consumer and which concern
the debt being collected- I still have yet to receive a copy of a contract bearing my signature from Resurgent Capital Services, LLC or *** * *** Associates, IncAs evidenced by Resurgent's attached documents, they do not have in their possession a contract bearing my signature.Nowhere in Case/File No*** Reference Number: *** (as referenced in Resurgent's response) did Resurgent acknowledge my statements in regards to *** *** Associates, Inc., Resurgent Capital Service, LLC's third party servicerResurgent stated that my account was placed with *** * *** Associates, Incon or about February When contacted on September 21, by this third party servicer, *** * *** Associates, Inc did not follow the guidelines of Massachusetts CMR 18.18:Within
five days after the initial communication with a consumer in connection with
the collection of any debt, a debt collector shall, unless the following
information is contained in the initial communication or the consumer has paid
the debt, send the consumer a written notice containing: 1(c) a statement
that unless the consumer, within thirty days after receipt of the notice,
disputes that validity of the debt, or any portion thereof, the debt will be
assumed to be valid by the debt collector; 1(d) a statement that if the
consumer notifies the debt collector in writing within the thirty-day period
that the debt, or any portion thereof, is disputed, the debt collector will
obtain verification of the debt or a copy of a judgment against the consumer
and a copy of such verification or judgment will be mailed to the consumer by
the debt collector; and 1(e) a statement that, upon the consumer's
written request within the thirty-day period, the debt collector will provide
the consumer with the name and address of the original creditor, if different
from the current creditor.- I still have not received a contract bearing my signature from Resurgent Capital Services, LLC, nor *** * *** Associates, Inc- *** * *** Associates did not provide in their communication from September 21, these statements on their initial communication with me nor did they send communication five days after September 21, containing these statementsThe next communication from *** * *** Associates, Incwas dated November 20, 2017.As evidenced by my attached documents, that I received from Resurgent dated November 3, 2016, Resurgent failed to adhere to Massachusetts CMR 7.08Validation of Debts (1) It shall constitute an unfair or deceptive act or practice for a creditor to fail to provide to a debtor or an attorney for a debtor the following within five business days after the initial communication with a debtor in connection with the collection of a debt, unless the following information is contained in the initial communication or the debtor has paid the debt: (a) The amount of the debt; (b) The name of the creditor to whom the debt is owed; (c) A statement that unless the debtor, within days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the creditor; and (d) A statement that if the debtor notifies the creditor in writing within days after receipt of this notice that the debt, or any portion thereof is disputed, the creditor will obtain verification of the debt and provide the debtor, or an attorney for the debtor, additional materials described in CMR 7.08(2)(2) If the debtor, or any attorney for the debtor, notifies the creditor in writing within the 30-day period described in CMR 7.08(1), that the debt, or any portion thereof, is disputed, the creditor shall cease collection of the debt, or any disputed portion thereof, until the creditor verifies the debt and provides the debtor, or any attorney of the debtor, by first class mail, the following materials: (a) All documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected; (b) A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law; (c) The name and address of the original creditor, if different from the collecting creditor; and (d) A copy of any judgment against the debtor. Pursuant to CMR 7.08(2), the creditor must provide those materials described in CMR 7.08(2)(a) through (d) which are in the possession, custody or control of the creditorIf the creditor does not possess, have custody of, or control the materials described in CMR 7.08(2)(a) through (d), the creditor shall cease collection of the debt until the creditor has made reasonable efforts to obtain the necessary information and provide this information to the debtorI have attached a copy of my Experian credit report dated January 20, It clearly demonstrates that after *** * *** Associates, Inc., the third party servicer of Resurgent Capital Services, LLC, received a debt validation letter from me on December 7, 2017, Resurgent Capital Services, LLC and *** * *** Associates, Inc failed to cease collection activitiesRather, Resurgent continued collection services well within business days of my investigation of the disputed debt by reporting an updated balance of $on January 11, to ExperianFurthermore, at no time has Resurgent Capital Services, LLC provided materials described in CMR 7.08(2)(a)But as of July 1, 2017, Resurgent updated the status of the account which violates CMR 7.08(2)(a) because Resurgent has no obtained a contract with bearing my signature and provided this information to me
I find it extremely troubling that Resurgent Capital Services, LLC appears to have completely and blatantly and decidedly not address, identified, or potentially omit the issues I have alleged in their most recent response (Reference Number: ***)Resurgent's actions surrounding the collection of this debt have violated both CMR under various sections as well as CMR (2). Because of these violations and should Resurgent Capital Services, LLC continue to not address these violations through this complaint, I will be forced to open a complaint with and forward this complaint to the Massachusetts Attorney General and the Massachusetts Division of Banks, which granted Resurgent Capital Services, LLC license to collect outstanding debts in Massachusetts
Regards,
*** ***
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 19, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No
*** Previous Creditor: *** *** *** Of ***, Inc. Original Creditor: *** *** ***, Inc(formerly known as “*** *** ***”) Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $670.93 Dear *** ***: This letter is in response to your correspondence dated August 17, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** *** Of ***, Incon or about June 7, As of the date of this communication, the account balance is $As a courtesy, the interest balance of $has been removedPlease review the following account information: This account originated on February 21, 2008, with *** *** ***, Inc. This account charged off on August 6, 2009, with a balance of $602.17. The last payment in the amount of $was received on September 2, 2008. No payments have been received on this account since Resurgent started servicing it in June 2013. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedFurthermore, this is being reported as an account in collections. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. The “Date of First Delinquency” is used in calculating the seven-year period that derogatory information remains on a credit reportThe “Date of First Delinquency” for this account is April 6, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or before about January Additionally, please note that due to the removal of the interest on the above account the new balance of $will reflect with the credit bureausPlease allow to days for this update to occur. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from the previous creditors concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.July 14, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No
*** Previous Creditor: *** *** *** Original Creditor: *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** ***: This letter is in response to your correspondence dated July 6, regarding the above-referenced accountLVNV Funding LLC ("LVNV ") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** *** ("***") on or about April 30, Please review the following account information: This account originated on September 15, with *** and was opened with ***. This account charged off on September 19, with a balance of $2,204.21. The last payment in the amount of $was received on June 25, 2015. We have verified this account was satisfied in full on June 25, for $The status of the account was updated to "Satisfied in Full" on July 6, The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. *** ***’s inquiry states Resurgent Capital was recently added to her credit fileAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full for less than the full balance” will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occur. The original creditor may also continue to report the history of this account from the origination date to the time of sale. Resurgent does not report accounts to the consumer reporting agenciesIf *** *** has a recent copy of her credit report indicating Resurgent is reporting this account, please advise her to provide a copy of the report so that we may further research this matterThe credit report may be sent to the below address: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 Additionally we reached out to our servicer to investigate *** ***’s claim that she was advised if she paid the account prior to June 27, “it would not be reported.” Our servicer advised *** *** spoke to a representative on June 10, and agreed to a payment arrangement to satisfy the account. There is no evidence she was advised the account would not be reported if paid by a certain dateWe apologize for any inconvenience experienced. If you have any further questions, comments or concerns, please contact Customer Service at ***
*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint.April 21, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** Case/File No*** Dear *** ***: This
letter is in response to the concerns submitted by *** *** dated April 13, Upon researching this matter, it has been determined *** *** is not the responsible partyWe have deleted her address from our system*** *** should no longer be contacted by Resurgent or any of our servicers regarding this issueWe apologize for any inconvenience experienced due to any contact made in error. If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me.
Regards,
*** ***
Please see the attached response.May 19, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear *** *** This
letter is in response to your correspondence dated May 18, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the above-referenced accountResurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Upon researching this matter, it has been determined *** *** is not the responsible partyThe phone number ending in *** will not be called regarding this account*** *** should no longer be contacted by Resurgent or any of our servicers regarding this issueWe apologize for any inconvenience experienced due to any contact made in error. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 11, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No
*** Inquiry Reference Number: *** Dear *** ***: This letter is in response to your correspondence dated May 11, We are unable to locate an account under the name of *** *** ***Please provide additional information, such as the account number(s) or social security number, in order to help us locate the account(s) and address *** *** ***’s concerns. If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 7, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No
*** Previous Creditor: *** *** Original Creditor: *** *** *** ***. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** ***: This letter is in response to your correspondence dated May 4, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** ("***") on or about September 12, Please review the following account information: This account originated on December 17, with *** *** *** ***. This account charged off on August 24, with a balance of $579.63. The last payment in the amount of $was received on May 2, 2015. We have verified this account was settled in full on May 2, for $The status of the account was updated to "Settled in Full" on May 7, The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full for Less than the Full Balance” will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occur. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. LVNV has not issued billing statements on *** ***’s accountAny disputes under the Fair Credit Billing Act should be addressed to the entity issuing the statementAdditionally, notice of the account’s charge off and subsequent sale is not Resurgent’s responsibility*** *** should address those concerns with *** *** *** ***Additionally, *** *** was mailed the enclosed letter dated September 17, advising him that LVNV may submit a negative credit bureau report to the consumer reporting agencies regarding the account. If you have any further questions, comments or concerns, please contact Customer Service at ***. Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure
Please see the attached response.April 27, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No*** Reference Number: *** Dear ***
*** This letter is in response to your correspondence dated April 21, 2015, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV. Resurgent would like to thank *** *** for bringing this matter to our attentionAfter investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, the following account has been closedWe apologize for any inconvenience experienced regarding this account. Acct No*** Reference No*** Original Creditor: *** National Bank If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 25, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear *** *** This letter is in response to the additional concerns submitted by *** *** dated August 21, 2015 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in *** Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV. The Satisfaction of Judgment was mailed to the *** County District Court (“Court”) on August 10, 2015, via UPS Next Day Air Saver, and received by the Court on August 11, The tracking number for the package is *** , and enclosed is a copy of the proof of delivery showing the package was delivered on August 11, at 9:A.MBelow is the Court’s address: *** County District Court *** * *** *** *** *** **
*** ***
*** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see Resurgent's attached response to the referenced complaint.June 3, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** *** Case/File No* *** Previous Creditor:
*** *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** *** This letter is in response to your correspondence dated May 26, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV Funding LLCThe account was previously sold by *** *** *** on or about June 15, 2012. This account originated on August 19, with *** *** *** *** and was opened with *** *** *** *** This account charged off on May 31, with a balance of $2,020.85. The last payment in the amount of $2,was received on June 22, 2012. We have verified this account was satisfied on June 22, for $2,The status of the account was updated to reflect account satisfied on June 27, The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agenciesA search of Resurgent’s records confirmed that LVNV is not reporting this account to the credit bureausWe request that *** *** forward a copy of her credit report showing the disputed LVNV tradeline for further investigation. Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 We are unable to alter the credit bureau reporting of another creditor, including the original creditor of this account*** *** should contact the respective consumer reporting agencies or other creditors regarding information she believes is being reported in error. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.November 2, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No
*** Previous Creditor: *** *** *** Original Creditor: *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,522.90 Dear *** *** This letter is in response to your correspondence dated October 28, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** *** on or about August 8, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on September 25, with *** *** ***. This account charged off on July 28, with a balance of $906.47. The last payment in the amount of $was received on March 10, 2003. No payments have been received on this account since Resurgent started servicing it in August 2003. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agencies. *** *** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or *** ***’s responsibility for the balance due on this account. The enclosed verification of debt was mailed to *** *** on or about July 22, 2015, in compliance with the Fair Debt Collection Practices Act (“FDCPA”). If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterA blank identity theft affidavit is enclosed for *** ***’s convenienceAdditional blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from the previous creditors concerning his/her dispute, it may help with our investigation, so please have him/her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ***
*** Sincerely, ** *** Compliance Department Resurgent Capital Services LP. Enclosures
Please see Resurgent's attached response to the referenced complaint.September 23, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous
Creditor: *** *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** ***: This letter is in response to your correspondence dated September 16, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** LLC on or about May 9, Please review the following account information: This account originated on June 19, with *** *** *** ***and was opened with *** *** This account charged off on July 31, 2010. The last payment in the amount of $was received on May 16, 2010. No payments have been received on this account since Resurgent started servicing it in May 2013. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. Our records indicate that a lawsuit was filed on in Civil Court of the City of *** *** *** County, *** *** and Docket No*** was dismissed without prejudice. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, Resurgent has made the business decision to close the account. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurWe apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.June 8, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No
*** Previous Creditor: *** *** Original Creditor: *** *** *** *.*. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $991.77 Dear *** *** This letter is in response to your correspondence dated June 2, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** on or about February 16, As of the date of this communication, the account balance is $Please review the following account information: This account originated on August 20, with *** *** *** ***. This account charged off on January 26, with a balance of $777.82. The last payment in the amount of $was received on May 30, 2010. No payments have been received on this account since Resurgent started servicing it in February 2011. The bill statements and account summary on file for this account are enclosed for your reference. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesWe recognize that *** *** states in his complaint that he does not dispute the LVNV account, and has requested that we remove the “disputed” status from his credit reportTherefore, a request to remove the “disputed” status from the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow 30-days for this update to occurShould *** *** desire to make a payment on this account, please contact us at the toll free number listed above. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint.
Based on the attachment sent by ** *** the account summary report doesn't match up to what they are saying. Resurgent Reference # ***1) the original Equity one/*** account had a balance at the time of acquisition of $but they have a principal amount of $listed on the balance summary.2) they have an interest amount of $listed but stated they are no longer adding interest onto the accountsI want an itemized interest history showing accrued interest by month with valid interest rates given the state of ** restrictions of interest charged.Resurgent Reference # ***1) they have an interest amount of $listed but stated they are no longer adding interest onto the accountsI want an itemized interest history showing accrued interest by month with valid interest rates given the state of ** restrictions of interest charged
Regards,
*** ***
RE: *** ** ***; Case/File No***
Dear MsR***: This letter is in response to your correspondence received October 3, regarding the above-referenced matterThank you for bringing this matter to our attentionAfter researching this matter, we have confirmed that
Mr*** is not the responsible party on this account, and that the 1099-C was sent to him by mistakeWe are currently in the process of having an amended 1099-C form submitted to the Internal Revenue Service as requestedWe will also forward a copy of the amended form to Mr*** at the address provided on his inquiryWe apologize for any inconvenience Mr*** may have experienced. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint.October 19, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Reference Numbers: *** *** Dear *** *** This letter is in response to the additional concerns submitted by *** ** ***, dated October 9, 2015, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns account numbers ending in *** and *** respectivelyResurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. As stated in the previous response, due to Resurgent’s internal policy change, these accounts have not and will not accrue additional interest as of January 5, As to *** ***’ specific issue regarding the account number ending in ***, the account charged off on September 29, with a balance of $4,LVNV did not purchase the account until on or about June 7, 2013, when the balance was $7,Since LVNV was not the owner of the account during the time period from September 29, to June 7, 2013, we are unaware of the interest rate charged during that time. After investigating the accounts, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, Resurgent has made the business decision to close the accounts. Additionally, a request to delete the LVNV tradelines will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurWe apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at ***Sincerely, ** *** Compliance Department Resurgent Capital Services LP
November 17, 2017 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Previous Creditor: *** *** Capital Acquisition LLC Original Creditor: *** *** of Delaware Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear MsR***: This letter is in response to your correspondence received November 8, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on December 30, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVPlease review the following account information: This account originated on April 12, with *** *** of Delaware and was opened with *** Mastercard. This account charged off on January 23, 2008. No payments have been received on this account since Resurgent started servicing it in December 2011. Our records indicate the account number Mr*** references in his inquiry, ***, is associated with the account ending in ***. Our records indicate Resurgent made a business decision to close the account ending in *** in February Therefore, Resurgent and its affiliated companies have not placed any outgoing calls to Mr. *** regarding the account ending in *** since the account was closed. The two companies referenced in the complaint, “***” and “***,” are not affiliates of ResurgentUnfortunately, we are unable to address Mr***’s concerns regarding those companiesWe suggest that Mr*** direct his concerns to those companiesWe apologize for any inconvenience. We hope our response has addressed Mr***’s concernsIf Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID
***, and have determined that this does not resolve my complaint.
In reviewing Resurgent Capital
Services, LLC's most recent response to Complaint ID ***, the RevDex.com of Upstate South Carolina, and myself (*** ***), I
find that Resurgent Capital Services, LLC has not addressed the issues at
handResurgent Capital Services, LLC merely addressed bullet points and of my previous rejection in their most recent responseThey simply stated there is a "mail box rule" in their response to the Revdex.com and myselfIn my initial rejection, I stated that my first time viewing the documents from both Resurgent Capital Services, LLC and *** * *** Associates, Inc was through this complaintI require ample time to investigate the uploaded documents.As evidenced by my attached documents, that I received from Resurgent Capital Services, LLC dated November 3, 2016, Resurgent failed to adhere to Massachusetts CMR 18.18: 1(c) a statement that
unless the consumer, within thirty days after receipt of the notice, disputes
that validity of the debt, or any portion thereof, the debt will be assumed to
be valid by the debt collector- Resurgent's correspondence does not contain the above statement.Massachusetts CMR
18.18: 1(d) a statement that if the consumer
notifies the debt collector in writing within the thirty-day period that the
debt, or any portion thereof, is disputed, the debt collector will obtain
verification of the debt or a copy of a judgment against the consumer and a
copy of such verification or judgment will be mailed to the consumer by the
debt collector; 1(e) and a statement that, upon the consumer's
written request within the thirty-day period, the debt collector will provide
the consumer with the name and address of the original creditor, if different
from the current creditor.- Resurgent's correspondence does not contain the above statement.Nowhere in Case/File No*** Reference
Number: *** (as referenced in Resurgent's response) did Resurgent
acknowledge my statements in regards toMassachusetts CMR 18.18: 3(a) A debt collector shall provide to a consumer or any attorney for a consumer
within five business days the following: All papers or copies of papers and electronic records, in the possession of
the debt collector which bear the signature of the consumer and which concern
the debt being collected- I still have yet to receive a copy of a contract bearing my signature from Resurgent Capital Services, LLC or *** * *** Associates, IncAs evidenced by Resurgent's attached documents, they do not have in their possession a contract bearing my signature.Nowhere in Case/File No*** Reference Number: *** (as referenced in Resurgent's response) did Resurgent acknowledge my statements in regards to *** *** Associates, Inc., Resurgent Capital Service, LLC's third party servicerResurgent stated that my account was placed with *** * *** Associates, Incon or about February When contacted on September 21, by this third party servicer, *** * *** Associates, Inc did not follow the guidelines of Massachusetts CMR 18.18:Within
five days after the initial communication with a consumer in connection with
the collection of any debt, a debt collector shall, unless the following
information is contained in the initial communication or the consumer has paid
the debt, send the consumer a written notice containing: 1(c) a statement
that unless the consumer, within thirty days after receipt of the notice,
disputes that validity of the debt, or any portion thereof, the debt will be
assumed to be valid by the debt collector; 1(d) a statement that if the
consumer notifies the debt collector in writing within the thirty-day period
that the debt, or any portion thereof, is disputed, the debt collector will
obtain verification of the debt or a copy of a judgment against the consumer
and a copy of such verification or judgment will be mailed to the consumer by
the debt collector; and 1(e) a statement that, upon the consumer's
written request within the thirty-day period, the debt collector will provide
the consumer with the name and address of the original creditor, if different
from the current creditor.- I still have not received a contract bearing my signature from Resurgent Capital Services, LLC, nor *** * *** Associates, Inc- *** * *** Associates did not provide in their communication from September 21, these statements on their initial communication with me nor did they send communication five days after September 21, containing these statementsThe next communication from *** * *** Associates, Incwas dated November 20, 2017.As evidenced by my attached documents, that I received from Resurgent dated November 3, 2016, Resurgent failed to adhere to Massachusetts CMR 7.08Validation of Debts (1) It shall constitute an unfair or deceptive act or practice for a creditor to fail to provide to a debtor or an attorney for a debtor the following within five business days after the initial communication with a debtor in connection with the collection of a debt, unless the following information is contained in the initial communication or the debtor has paid the debt: (a) The amount of the debt; (b) The name of the creditor to whom the debt is owed; (c) A statement that unless the debtor, within days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the creditor; and (d) A statement that if the debtor notifies the creditor in writing within days after receipt of this notice that the debt, or any portion thereof is disputed, the creditor will obtain verification of the debt and provide the debtor, or an attorney for the debtor, additional materials described in CMR 7.08(2)(2) If the debtor, or any attorney for the debtor, notifies the creditor in writing within the 30-day period described in CMR 7.08(1), that the debt, or any portion thereof, is disputed, the creditor shall cease collection of the debt, or any disputed portion thereof, until the creditor verifies the debt and provides the debtor, or any attorney of the debtor, by first class mail, the following materials: (a) All documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected; (b) A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law; (c) The name and address of the original creditor, if different from the collecting creditor; and (d) A copy of any judgment against the debtor. Pursuant to CMR 7.08(2), the creditor must provide those materials described in CMR 7.08(2)(a) through (d) which are in the possession, custody or control of the creditorIf the creditor does not possess, have custody of, or control the materials described in CMR 7.08(2)(a) through (d), the creditor shall cease collection of the debt until the creditor has made reasonable efforts to obtain the necessary information and provide this information to the debtorI have attached a copy of my Experian credit report dated January 20, It clearly demonstrates that after *** * *** Associates, Inc., the third party servicer of Resurgent Capital Services, LLC, received a debt validation letter from me on December 7, 2017, Resurgent Capital Services, LLC and *** * *** Associates, Inc failed to cease collection activitiesRather, Resurgent continued collection services well within business days of my investigation of the disputed debt by reporting an updated balance of $on January 11, to ExperianFurthermore, at no time has Resurgent Capital Services, LLC provided materials described in CMR 7.08(2)(a)But as of July 1, 2017, Resurgent updated the status of the account which violates CMR 7.08(2)(a) because Resurgent has no obtained a contract with bearing my signature and provided this information to me
I find it extremely troubling that Resurgent Capital Services, LLC appears to have completely and blatantly and decidedly not address, identified, or potentially omit the issues I have alleged in their most recent response (Reference Number: ***)Resurgent's actions surrounding the collection of this debt have violated both CMR under various sections as well as CMR (2). Because of these violations and should Resurgent Capital Services, LLC continue to not address these violations through this complaint, I will be forced to open a complaint with and forward this complaint to the Massachusetts Attorney General and the Massachusetts Division of Banks, which granted Resurgent Capital Services, LLC license to collect outstanding debts in Massachusetts
Regards,
*** ***
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 19, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No
*** Previous Creditor: *** *** *** Of ***, Inc. Original Creditor: *** *** ***, Inc(formerly known as “*** *** ***”) Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $670.93 Dear *** ***: This letter is in response to your correspondence dated August 17, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** *** Of ***, Incon or about June 7, As of the date of this communication, the account balance is $As a courtesy, the interest balance of $has been removedPlease review the following account information: This account originated on February 21, 2008, with *** *** ***, Inc. This account charged off on August 6, 2009, with a balance of $602.17. The last payment in the amount of $was received on September 2, 2008. No payments have been received on this account since Resurgent started servicing it in June 2013. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedFurthermore, this is being reported as an account in collections. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. The “Date of First Delinquency” is used in calculating the seven-year period that derogatory information remains on a credit reportThe “Date of First Delinquency” for this account is April 6, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or before about January Additionally, please note that due to the removal of the interest on the above account the new balance of $will reflect with the credit bureausPlease allow to days for this update to occur. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from the previous creditors concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.July 14, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No
*** Previous Creditor: *** *** *** Original Creditor: *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** ***: This letter is in response to your correspondence dated July 6, regarding the above-referenced accountLVNV Funding LLC ("LVNV ") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** *** ("***") on or about April 30, Please review the following account information: This account originated on September 15, with *** and was opened with ***. This account charged off on September 19, with a balance of $2,204.21. The last payment in the amount of $was received on June 25, 2015. We have verified this account was satisfied in full on June 25, for $The status of the account was updated to "Satisfied in Full" on July 6, The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. *** ***’s inquiry states Resurgent Capital was recently added to her credit fileAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full for less than the full balance” will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occur. The original creditor may also continue to report the history of this account from the origination date to the time of sale. Resurgent does not report accounts to the consumer reporting agenciesIf *** *** has a recent copy of her credit report indicating Resurgent is reporting this account, please advise her to provide a copy of the report so that we may further research this matterThe credit report may be sent to the below address: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 Additionally we reached out to our servicer to investigate *** ***’s claim that she was advised if she paid the account prior to June 27, “it would not be reported.” Our servicer advised *** *** spoke to a representative on June 10, and agreed to a payment arrangement to satisfy the account. There is no evidence she was advised the account would not be reported if paid by a certain dateWe apologize for any inconvenience experienced. If you have any further questions, comments or concerns, please contact Customer Service at ***
*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint.April 21, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** Case/File No*** Dear *** ***: This
letter is in response to the concerns submitted by *** *** dated April 13, Upon researching this matter, it has been determined *** *** is not the responsible partyWe have deleted her address from our system*** *** should no longer be contacted by Resurgent or any of our servicers regarding this issueWe apologize for any inconvenience experienced due to any contact made in error. If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me.
Regards,
*** ***
Please see the attached response.May 19, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear *** *** This
letter is in response to your correspondence dated May 18, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the above-referenced accountResurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Upon researching this matter, it has been determined *** *** is not the responsible partyThe phone number ending in *** will not be called regarding this account*** *** should no longer be contacted by Resurgent or any of our servicers regarding this issueWe apologize for any inconvenience experienced due to any contact made in error. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 11, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No
*** Inquiry Reference Number: *** Dear *** ***: This letter is in response to your correspondence dated May 11, We are unable to locate an account under the name of *** *** ***Please provide additional information, such as the account number(s) or social security number, in order to help us locate the account(s) and address *** *** ***’s concerns. If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 7, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No
*** Previous Creditor: *** *** Original Creditor: *** *** *** ***. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** ***: This letter is in response to your correspondence dated May 4, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** ("***") on or about September 12, Please review the following account information: This account originated on December 17, with *** *** *** ***. This account charged off on August 24, with a balance of $579.63. The last payment in the amount of $was received on May 2, 2015. We have verified this account was settled in full on May 2, for $The status of the account was updated to "Settled in Full" on May 7, The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full for Less than the Full Balance” will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occur. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. LVNV has not issued billing statements on *** ***’s accountAny disputes under the Fair Credit Billing Act should be addressed to the entity issuing the statementAdditionally, notice of the account’s charge off and subsequent sale is not Resurgent’s responsibility*** *** should address those concerns with *** *** *** ***Additionally, *** *** was mailed the enclosed letter dated September 17, advising him that LVNV may submit a negative credit bureau report to the consumer reporting agencies regarding the account. If you have any further questions, comments or concerns, please contact Customer Service at ***. Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure
Please see the attached response.April 27, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No*** Reference Number: *** Dear ***
*** This letter is in response to your correspondence dated April 21, 2015, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV. Resurgent would like to thank *** *** for bringing this matter to our attentionAfter investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, the following account has been closedWe apologize for any inconvenience experienced regarding this account. Acct No*** Reference No*** Original Creditor: *** National Bank If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 25, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear *** *** This letter is in response to the additional concerns submitted by *** *** dated August 21, 2015 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in *** Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV. The Satisfaction of Judgment was mailed to the *** County District Court (“Court”) on August 10, 2015, via UPS Next Day Air Saver, and received by the Court on August 11, The tracking number for the package is *** , and enclosed is a copy of the proof of delivery showing the package was delivered on August 11, at 9:A.MBelow is the Court’s address: *** County District Court *** * *** *** *** *** **
*** ***
*** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see Resurgent's attached response to the referenced complaint.June 3, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** *** Case/File No* *** Previous Creditor:
*** *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** *** This letter is in response to your correspondence dated May 26, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV Funding LLCThe account was previously sold by *** *** *** on or about June 15, 2012. This account originated on August 19, with *** *** *** *** and was opened with *** *** *** *** This account charged off on May 31, with a balance of $2,020.85. The last payment in the amount of $2,was received on June 22, 2012. We have verified this account was satisfied on June 22, for $2,The status of the account was updated to reflect account satisfied on June 27, The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agenciesA search of Resurgent’s records confirmed that LVNV is not reporting this account to the credit bureausWe request that *** *** forward a copy of her credit report showing the disputed LVNV tradeline for further investigation. Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 We are unable to alter the credit bureau reporting of another creditor, including the original creditor of this account*** *** should contact the respective consumer reporting agencies or other creditors regarding information she believes is being reported in error. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.November 2, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No
*** Previous Creditor: *** *** *** Original Creditor: *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,522.90 Dear *** *** This letter is in response to your correspondence dated October 28, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** *** on or about August 8, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on September 25, with *** *** ***. This account charged off on July 28, with a balance of $906.47. The last payment in the amount of $was received on March 10, 2003. No payments have been received on this account since Resurgent started servicing it in August 2003. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agencies. *** *** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or *** ***’s responsibility for the balance due on this account. The enclosed verification of debt was mailed to *** *** on or about July 22, 2015, in compliance with the Fair Debt Collection Practices Act (“FDCPA”). If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterA blank identity theft affidavit is enclosed for *** ***’s convenienceAdditional blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from the previous creditors concerning his/her dispute, it may help with our investigation, so please have him/her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ***
*** Sincerely, ** *** Compliance Department Resurgent Capital Services LP. Enclosures
Please see Resurgent's attached response to the referenced complaint.September 23, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous
Creditor: *** *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** ***: This letter is in response to your correspondence dated September 16, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** LLC on or about May 9, Please review the following account information: This account originated on June 19, with *** *** *** ***and was opened with *** *** This account charged off on July 31, 2010. The last payment in the amount of $was received on May 16, 2010. No payments have been received on this account since Resurgent started servicing it in May 2013. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. Our records indicate that a lawsuit was filed on in Civil Court of the City of *** *** *** County, *** *** and Docket No*** was dismissed without prejudice. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, Resurgent has made the business decision to close the account. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurWe apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.June 8, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No
*** Previous Creditor: *** *** Original Creditor: *** *** *** *.*. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $991.77 Dear *** *** This letter is in response to your correspondence dated June 2, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** on or about February 16, As of the date of this communication, the account balance is $Please review the following account information: This account originated on August 20, with *** *** *** ***. This account charged off on January 26, with a balance of $777.82. The last payment in the amount of $was received on May 30, 2010. No payments have been received on this account since Resurgent started servicing it in February 2011. The bill statements and account summary on file for this account are enclosed for your reference. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesWe recognize that *** *** states in his complaint that he does not dispute the LVNV account, and has requested that we remove the “disputed” status from his credit reportTherefore, a request to remove the “disputed” status from the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow 30-days for this update to occurShould *** *** desire to make a payment on this account, please contact us at the toll free number listed above. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP. Enclosure(s)
Someone from Resurgent Capital Services has finally responded and they have refunded the money owed. So you may close this matter
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint.
Based on the attachment sent by ** *** the account summary report doesn't match up to what they are saying. Resurgent Reference # ***1) the original Equity one/*** account had a balance at the time of acquisition of $but they have a principal amount of $listed on the balance summary.2) they have an interest amount of $listed but stated they are no longer adding interest onto the accountsI want an itemized interest history showing accrued interest by month with valid interest rates given the state of ** restrictions of interest charged.Resurgent Reference # ***1) they have an interest amount of $listed but stated they are no longer adding interest onto the accountsI want an itemized interest history showing accrued interest by month with valid interest rates given the state of ** restrictions of interest charged
Regards,
*** ***
RE: *** ** ***; Case/File No***
Dear MsR***: This letter is in response to your correspondence received October 3, regarding the above-referenced matterThank you for bringing this matter to our attentionAfter researching this matter, we have confirmed that
Mr*** is not the responsible party on this account, and that the 1099-C was sent to him by mistakeWe are currently in the process of having an amended 1099-C form submitted to the Internal Revenue Service as requestedWe will also forward a copy of the amended form to Mr*** at the address provided on his inquiryWe apologize for any inconvenience Mr*** may have experienced. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint.October 19, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Reference Numbers: *** *** Dear *** *** This letter is in response to the additional concerns submitted by *** ** ***, dated October 9, 2015, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns account numbers ending in *** and *** respectivelyResurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. As stated in the previous response, due to Resurgent’s internal policy change, these accounts have not and will not accrue additional interest as of January 5, As to *** ***’ specific issue regarding the account number ending in ***, the account charged off on September 29, with a balance of $4,LVNV did not purchase the account until on or about June 7, 2013, when the balance was $7,Since LVNV was not the owner of the account during the time period from September 29, to June 7, 2013, we are unaware of the interest rate charged during that time. After investigating the accounts, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, Resurgent has made the business decision to close the accounts. Additionally, a request to delete the LVNV tradelines will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurWe apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at ***Sincerely, ** *** Compliance Department Resurgent Capital Services LP
November 17, 2017 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Previous Creditor: *** *** Capital Acquisition LLC Original Creditor: *** *** of Delaware Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear MsR***: This letter is in response to your correspondence received November 8, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on December 30, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVPlease review the following account information: This account originated on April 12, with *** *** of Delaware and was opened with *** Mastercard. This account charged off on January 23, 2008. No payments have been received on this account since Resurgent started servicing it in December 2011. Our records indicate the account number Mr*** references in his inquiry, ***, is associated with the account ending in ***. Our records indicate Resurgent made a business decision to close the account ending in *** in February Therefore, Resurgent and its affiliated companies have not placed any outgoing calls to Mr. *** regarding the account ending in *** since the account was closed. The two companies referenced in the complaint, “***” and “***,” are not affiliates of ResurgentUnfortunately, we are unable to address Mr***’s concerns regarding those companiesWe suggest that Mr*** direct his concerns to those companiesWe apologize for any inconvenience. We hope our response has addressed Mr***’s concernsIf Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P