Date Received: 2018-04-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There are two accounts that they say I owe a debt to XXXX XXXX.. I have sent out letters for validation on XX/XX/XXXX, they have not sent out valiadation on the two accounts that they say I owe. On XX/XX/XXXX I received a settlement offer in the mail under XXXX XXXX XXXX XXXX. sataing they are collecting on behalf of XXXX, XXXX. I was informed that XXXX XXXX. is not licensed to collect in Maryland. I have not received any validation on this matter as of yet.
Company Response:
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2018-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-07
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: The last day XXXX XXXX XXXX and Resurgent Capital reported to the credit reporting agencies was XX/XX/XXXX. On that day they reported I owed {$740.00}. It is now a month later ( XX/XX/XXXX) and they are still reporting that I owe {$740.00}. In addition, they have already garnished my paycheck for MORE than that amount. The total money they fraudulently took from me was {$1000.00}. It has been more than enough time for them to update this and report that the matter has been closed and to remove it from my credit report. They fraudulently ballooned the charges up to {$1000.00} when they asked for the garnishment order. They NEVER reported that amount being owed to the credit reporting agencies. XXXX XXXX XXXX and Resurgent Capital Services L.P. have unlawfully collected on this debt. I have not signed any agreement or contract with either of these entities. This is a common action they often abuse unjustly and unfairly by doubling or quadrupling the debt when they acquire it even when the debt has been charged off or exhausted. They have not stated the date in which they claim to have taken ownership of this debt AND they have not even provided proof of their ownership of this debt. Instead they were hoping to scare me into inaction so they could get a default judgment. This is an unscrupulous practice whereby they purchase debts for as little as possible by only obtaining the bare minimum amount of information needed in order to threaten and coerce the consumer into making payments. Another routine practice of theirs to trick consumers out of their hard- earned monies is they often pass the debt between their multiple entities ( Resurgent Capital Services LP , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in order to entrap, trick, and restart the debt, which supports ethical fallacies, rationale fallacies and rhetorical fallacies which is reprehensible by all means, despicable and corrupt. Anyone who spends any time researching XXXX can find numerous examples of their phony business conduct, which are unfair and deeply troubling.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XX/XX/XXXXor a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL. By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Around XX/XX/XXXX I opened an account with XXXX for a motorcycle. In XX/XX/XXXX, I paid this card off. I was summons to court in XX/XX/XXXXby XXXX XXXX ( company who bought loan ). I was able to prove payments were made and the lawsuit was dropped in XX/XX/XXXX. The amount I supposedly owed was {$6100.00} and I paid {$12000.00}. I checked my credit report and this negative account was taken off ; however, in the past month it has shown up again with a new opened date of XX/XX/XXXX. I have contacted XXXX XXXX XXXX, but they haven't been much help. They refuse to take this off my credit.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Problem when making payments
Subissue:
Consumer Complaint: on XX/XX/XXXX a payment was posted to Resurgent Capital Service. i received a recipe stated that the payment was posted and the bal was XXXX so when i called to pay it off i was told that it was not the correct balance and the balance on the letter was a computer error this was told to me by someone saying he was a supervisor. but after talking to another supervisor for Resurgent Capital she said that the {$740.00} is what she see that was owe on the account and she couldnt get into see the account that i need to talk to the server of the account. so i explained that i was going to contact a lawyer because ii didnt want to mess up my credit for them trying to collect what not on the recipe.wahts on the letter is what i should pay since it came from Resurgent capital.its bad enough that they post that i was late in XX/XX/XXXXon a payment and reported it to the credit reporting when i ask why all they said was it didnt reach them in time and it was the timing not the date so that put me 30 day past due and its nothing they can do to remove it after i ask can the do a goodwill removal i was told no. when i pay this account i will never have anything else to do with this company i am going to file a law suit if not resolved. account # XXXX. R ESURGENT # XXXX.
Company Response:
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Around XX/XX/XXXX I opened a XXXX XXXX Card. I paid it off in XX/XX/XXXX. It was sold to XXXX XXXX and they reported it to collections. They say I owe {$1000.00} but I paid {$1200.00} and I have proof it was paid.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX, I opened a XXXX Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXXResurgent bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXX but I have proof I paid {$7900.00}.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a credit card with XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX ) ( Phone:XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, which maxed out and I couldn't pay until I sold my house. In XX/XX/XXXX I sold the house and tried to pay this off. It had gone to collection with XXXX XXXX, XXXX. So I called XXXX XXXX XXXX ( Also called XXXX XXXX, Phone : XXXX XXXX XXXX XXXX ) and they reached a settlement with XXXX XXXX XXXX for {$690.00} on XX/XX/XXXX and paid {$50.00} on the settlement and {$28.00} each month after that. Then Resurgent Capital Services ( Phone:XXXX XXXX XXXX ) took over the settlement in XX/XX/XXXX. XXXX XXXX XXXX paid XXXX XXXX, who paid Resurgent Capital ( Also called XXXX ) the $ XXXX monthly payment-until I came up with the money and tried to pay it off. I paid XXXX more than enough for the payoff. But when they tried to make the payment, first they had to track down XXXX, and then XXXX refused the payment, which they gladly took the monthly payments up to then. At the same time XXXX claims the difference between the settlement and the original bill with XXXX XXXX is a totally different account which no payment has been made on. If you check the account number each of these outfits use you will find the exact same credit card number on each with no change. In other words, it's the same account. The only thing from XXXX that matches anything is the bank name and credit card number. They even change the amount at will. I've tried since XX/XX/XXXX to resolve this and got nowhere. Obviously XXXX is trying to pull a scam at my expense and intentionally ruining my credit with their scam. I need this repaired.
Company Response:
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted XXXX in XX/XX/2018. I have asked them to provide me with specific information regarding the said account of XXXX. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did not send me a contract between them and the alleged original creditor showing that they in fact do own the debt and or have rights to collect on the said debt. They did in fact send me a falsified document that supposedly came from the original creditor, but when contacted the original creditor had no knowledge of the alleged debt, nor the letter that was sent by XXXX XXXX XXXX, which leads me to believe it is a document they created themselves and used the original creditors information and logo fraudulently. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Refuse to validate account this is not my account this company is reporting twice on my credit for the same account remove both accounts please validate or remove
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A