Date Received: 2018-09-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have been working with XXXX XXXX for going on 5 months trying to repair my credit and pay off debts. I have been on a payment plan for going on 3 months instead they continue to send threatening letters with lawsuits even though I'm in the process of paying off the debt. Every time I talk to somebody on the phone they pretend like they don't know what's going on it's a very uncomfortable experience. I have no idea why they keep sending letters to be taken to court when I am in the process of paying the debts currently. I have received 11 letters in the past 3 months. Every time I try to rectify the situation they tell me that the person that is working on my account is not in the office. Again I have been making current pants for the past 3 months yet they continue to pursue me for a lawsuit. They are also sending the letters in the mail without an envelope with everything written in the open on a postcard for anybody to look at that comes across the mail. This is nothing short of harassment.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: The following are correspondences that set out the nature of this dispute - the underlying issue is that XXXX XXXX failed to stand behind two ( 2 ) billing disputes that were fraudulently made and perpetrated upon me via false inducement and misrepresentation. I disputed each claim with voluminous information provided to XXXX XXXX. Many calls and much documentation was supplied to XXXX XXXX to demonstrate that the disputes were legitimate and that the creditors acted with unclean hands in a fraudulent. manner. The text of the letters that follow show some of the issues at hand. Now, I learn that XXXX XXXX has " transferred my account '' to a service called Resurgent Capital Services. Acct.Ending XXXX. Current Owner XXXX XXXX XXXX. Reference ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX To : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Utah XXXX Attn : Billing/Disputes From : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX XX/XX/2017 I wish to close my credit card account with your institution. I have been an excellent credit card patron, paying my card balance regularly and reliably. I have, on XX/XX/2017, requested by telephone, that my credit card account be closed. I wish that my credit report reflect that the account was " closed at the consumer 's request. '' I also request written confirmation of the account 's closure. I am closing this account due to the fact that authorized and disputed. This writer contacted the Purser 's desk and engaged in a ship-to-shore telephone conversation with the travel agent to dispute and unauthorize this charge. The fact that XXXX offered a drastically reduced rate to passengers similarly situated in stateroom types equal to that of this writer, creates a unfair and discriminatory charge, unjustly enriching travelers with similar stateroom types who paid only {$190.00} while negatively disadvantaging this writer. A senior advisor at XXXX XXXX indicated that this writer supplied more than enough evidence to support reversing this charge, however the fact that this writer remain on board the ship would negate the refund. Clearly, the fact that this writer attempted to unauthorize the charge by contacting the Purser 's XXXX XXXX failed to properly adjudicate two ( 2 ) separate disputes in my favor after both merchants were proven by submission of voluminous documented and incontrovertible evidence to have fraudulently, discriminatorily, and improperly charged my card. A filed dispute with XXXX XXXX through XXXX was supported by written evidence by this writer to show that the said merchant failed to supply the accommodation that was pictured in his XXXX posting and additionally supplied a rental unit that was not only substandard, but dangerous. This writer did not utilize the accommodation to the extent paid for, had to stay with others, and communicated both complete dissatisfaction and request for refund overtly to the merchant. A filed dispute with XXXX XXXX - XXXX XXXX was supported by written evidence by this writer to show that the said merchant indiscriminately charged a significantly higher rate to this passenger while supplying most passengers an extremely reduced rate for the same stateroom type. A change in advertised ports-of-call ( after booking ) due to a severe propulsion issue on the ship caused XXXX to offer passengers drastically reduced rates of {$190.00} if they cancelled their booking and then rebooked. While passengers who were loyal to XXXX and did not cancel after the notification of the port change, paid the full price of {$6200.00}. This writer only learned of the discriminatory practices after being on board the ship at sea. This writer made XXXX aware of the fact that the charge was undesk and by completing a ship-to-shore telephone call to dispute the charge constructively constitutes " leaving the ship '' since it is impossible to leave the ship while it was at sea. *Under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, this XXXX XXXX ( or any credit card ) company can not compel payment of the outstanding disputed balance. If XXXX XXXX elects to report this matter to any credit bureau, legally, XXXX XXXX will be required to notate the fact that this balance is an amount that its customer/cardholder does not believe they owe. Disputes and Unauthorized Charges under : Federal law 15 U.S.C. 1643 limits a cardholders liability to a maximum of {$50.00} for unauthorized charges. That being said, under the statute, and according to the Fair Credit Billing Act, the customer/cardholder is protected against charges for goods and services that have not been delivered as agreed upon. The law provides that the customer/cardholder may withhold payment of any balance due on goods/services purchased with a credit card, provided he/she has made a good faith effort to return resolve the problem with the merchant. Final and full payment of my actual balance owed is included. Sincerely, XXXX XXXX XXXX XXXX XXXX/XXXX Dispute Upload # XXXX I have just sent added documents that show that the disputed rental was listed by XXXX XXXX as that being a unit on XXXX XXXX in XXXX. My payment was via XXXX XXXX to XXXX via the Internet site that depicts the XXXX XXXX unit as the one for which {$3000.00} was paid on the date indicated. We NEVER stayed or even entered the XXXX XXXX unit. XXXX XXXX defrauded us with a substitute place that was not on our XXXX contract. See attached. Mr. XXXX subsequently switched out the XXXX XXXX unit for which I paid with a unit in another area ( XXXX XXXX ) that was completely substandard and virtually uninhabitable. Previously submitted documents ( to XXXX XXXX ) support the fact that the XXXX unit was on the fourth floor ( with an inoperable elevator/lift ). Ostensibly, because the unit is in the XXXX, the fourth floor is now the fifth floor, and there were two flights between each floor making us have to climb 8 to 10 flights. We were assured, before and at the time of booking, that the XXXX XXXX unit had a working elevator. Since we were hornswoggled by being swapped into the XXXX XXXX unit for which we did not pay, there was no working elevator in the XXXX XXXX unit. Additionally, there were non-functioning the lights in the XXXX XXXX unit. There was virtually no light at night! This fact forced us to vacate the unit to stay with newly made friends from a class ( at the XXXX XXXX of XXXX XXXX ) where I was taking classes. Additionally, a sliding glass door fell out of its casement onto me. Additionally, there were leaks in the apartment building that caused disruption. XXXX XXXX - please advise VISA that I AM NOT paying this {$3000.00} bill as Merchant ( XXXX XXXX ) AGREED TO REFUND. In fact, XXXX ALSO pledged a refund. See uploads! I will litigate this! XXXX XXXX XX/XX/2017 Please be advised that my credit score was recently improperly reduced by XXXX XXXX. I had a disputed matter with XXXX XXXX and I have paid ALL properly charged balances due and owing to the XXXX XXXX credit card company. I sent a certified letter notifying XXXX XXXX that they had failed to resolve and rectify two ( 2 ) fraudulent charge ( s ) on my credit card ; and therefore, I was canceling my card after paying the FULL balance due and owing less the disputed amount. I consulted with an attorney who advised me to undertake those steps. Prior to taking those steps, I had supplied to XXXX XXXX voluminous supporting documentation to set forth the events surrounding the fraud perpetrated upon me. Additionally, I engaged in countless communications with XXXX XXXX credit card company representatives, who, at the time, and each time, agreed that the actions of the merchant/vendor was/were unethical/fraudulent. However, XXXX XXXX nonetheless refused to remove the disputed charges. I had no choice but to contact legal counsel to submit all documentation as proof and to cancel my credit card and to pay the full balance less the disputed charges. From the time of that dispute until now, I have attempted multiple times to rectify the matter with XXXX XXXX by communicating telephonically with representatives who, each time, affirm that the charges seem unethical and fraudulent. However, no documentation or resolution is forthcoming that obviates the need for their ongoing attempt to collect on a paid card less the disputed fees. In retaliation, XXXX XXXX recently facilitated the lowering of my credit score. I am here by notifying all of the credit reporting agencies that the lowering of my credit score is wholly unjustified and unsubstantiated based upon the fact that it centers upon the amount in dispute upon an unpaid balance. I have also filed ( this date ) a complaint with the XXXX XXXX XXXX XXXX of the United States government and I have been advised that the matter will be adjudicated to the full extent of the law. Kindly reinstate my previous credit score of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX SS # ending XXXX XXXX
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Are HUMANS viewing these complaints or superscanners? My complaint of Resurgent Capital Services L.P. was NOT a duplicate complaint! 1 ) My initial complaint was to XXXX, which is indeed a separate company! Is it not? I know for a FACT that if someone is doing business as Company 1, another as Company 2, and Company 3 -- THAT THEY ARE 3 SEPARATE COMPANIES. 2 ) That complaint -- as this one, since my other was FALSELY closed -- is about how Resurgent provided me with documents that, under the FCRA & FDCPA, DO NOT PROVE this fraudulent account to be mine! My complaint to XXXX was about how these frauds ( and XXXX XXXX XXXX XXXX ) NEVER RESPONDED TO MY LETTERS asking for validation of this account -- which is a violation of consumer law. They knew what they did and the person who responded to my complaint brushed it off! Therefore, please explain to me how these are duplicates ; these are two separate issues with THREE DIFFERENT COMPANIES! 3 ) I am absolutely outraged that the CFPB is condoning companies ' violations of consumer law! What do you exist for, CFPB? I was given statements and bills as " proof '' that the account was supposedly " mine '' when those are NOT valid means of verification! Statements, bills, and itemized lists of " what is or has been owed '' is NOT proper validation under the FCRA or FDCPA. You MUST provide an original contractual agreement in its original form, bearing my actual, wet signature. My signature was not on these documents, nor did they provide proof that the address ( es ) in the document were mine. Everything about an account must be properly investigated and validated. Until Resurgent provides actual original documentation bearing my actual signature and providing verified proof that the addresses were mine, then they remain under violation of law -- WITH THE CFPB 'S HELP.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I reached out to XXXX XXXX via certified mail requesting validation of debt on XX/XX/2018. I received no response from XXXX. I waited 30 days and sent out a failure to respond letter via certified mail. I still have not heard back from XXXX and they have not provided any validation the debt is mine. I do not owe this debt. Please provide the following to prove this is my debt : 1 : Please provide the original contract with my signature. 2 : Provide proof that you were hired/allowed by original creditor to collect on this alleged debt. 3 : Provide proof that XXXX is allowed to collect in the state of Louisiana. 4 : How are you validating this debt is mine? I reached out to the original creditor to request a signed contract and they stated they don't have that kind of proof.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Certified letter requesting validation was sent to XXXX XXXX. C/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX This is the collection agency for XXXX XXXX XXXX XXXX XXXX. I have not received anything in response. Also after looking on the State of Texas website, XXXX, Resurgent Capital Services or XXXX XXXXXXXX XXXX are not listed as bonded in my state to collect debt. I am asking for this account to be removed from credit report with all 3 bureaus.
Company Response:
State: TX
Zip: 76543
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX sent me a letter for {$5600.00} on a debt that is over 8 years old and claims that XXXX XXXX is the current creditor in which there both debt collectors trying to claim or retain debt not owed and sending letters for a debt not valid. All these years XXXX XXXX XXXX nor XXXX XXXX has never sent any form of any such debt. And trying to collect interest for all the years with no notice of any such kind. If they like we can take it to court and they can explain why there has or was any attempt in all these years to try to collect a debt with interest. That's there negligence.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had sent two ( 2 ) certified letters to ( XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ) : Letter one ( 1 ) was asking for the validation of debt. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) then responded by mail with just a letter dated XX/XX/2018 in response to my first request. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Did not include any original documents pertaining to this alleged debt. Letter two ( 2 ) was mailed on XX/XX/2018 to cease and desist communication with me because they have not sufficiently shown or provided proof of this alleged debt with original documents. Now, on XX/XX/2018 I received a new letter from ( Resurgent Capital Services ) which is another " company '' working with " XXXX XXXX XXXX '' in response to my second certified letter as they have said in the most recent letter mailed to me.
Company Response:
State: PA
Zip: 17268
Submitted Via: Web
Date Sent: 2018-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent a Debt Validation Letter to XXXX XXXX XXXX C/O Resurgent Capital Services. The letter was received on XX/XX/2018 by someone named XXXX XXXX. The letter asked to provide information on an account that is not mine but is showing on my credit report. The company never responded back to my request. In the letter that I sent, it specifically stated that they had 30 days but ignored my request. This violates Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act. After a few months, I sent another Debt Validation letter that was received XX/XX/2018 by XXXX XXXX as well. I received a response back on XX/XX/2018. Instead of them provided the information that I requested, they sent me an " account summary '' that they suggest provides proof of debt. It's not detailed, there is no contract, they do not have my signature on anything. I doesn't even have the address associated with this account. I have never heard of this account in my life and I've never had a XXXX XXXX account.
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2018-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have made several attempts with the company to get them to provide me specific information pertaining to an account they are saying I owe. I have contacted XXXX funding on several occasions requesting a copy of the agreement they have signed with the creditor that gives them the right to report the information on me XXXX XXXX as well as the agreement that I signed with the original creditor that bears the signature of XXXX XXXX. I have mailed the letters out to XXXX on several occasions via regular mail as well as certified mail. The comapny has failed to repond to my specific request for information yet they are still reporting information that is incorrect and not accurate on a debt that DOES NOT BELONG TO ME AT ALL. The company has not responded to my mailed request but has sent in response to my complaint # XXXX from XXXX in their compliance department but the response does not support this company complying with FDCPA guideline or FCRA guidelines. They simply sent me a copy of a statement from the original creditor. This statement is not PROOF of this debt being valid and I have demanded that the information be removed from my report immediately and the company has failed to adhere to the requests that I have made on numerous occasions
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2018-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2018 XXXX XXXX is reporting to the credit bureaus that I owe {$820.00}. This is incorrect, I owe them nothing.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2018-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A