Date Received: 2017-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX XXXX, XXXX I was sued by XXXX XXXX XXXX for the amount of XXXX from a company called XXXX. The bank holder for that company is " The XXXX XXXX XXXX XXXX XXXX ''. For a debt that I did not owe and never owned. I proved in court that I was a victim of identity theft. The account was opened in XXXX XXXX, XXXX and I filed a police report on XXXX XXXX, XXXX. The case was dismissed on XXXX XXXX, XXXX. Well XXXX XXXX XXXX never took this debt off my credit report. Instead they sold it months later to a company called Resurgent Capital Services. And Resurgent Capital Services has repeatedly called my home and threatened me with lawsuits, judgements and said that they will continue to contact me, and keep this bill in collections until paid. Resurgent Capital Services also stated that the information that I sent them was not sufficient enough. I have sent them court dismissal documents from the last time XXXX XXXX XXXX took me to court, police reports stating that I was a victim of forgery and counterfeiting ring in XXXX, Texas. I even listed some of the items that was stolen out of my home but Resurgent Capital Services says the documents that I sent is still not enough. I have been dealing with these two debt collectors coming up on 2 years they have kept this debt that they claim that I owe in collections for almost 2 years. And have ruined my credit, I have tried in so many ways to resolve this and I 'm frustrated please help me if you can with this situation. I have listed the companies involved in this complaint please get back in touch with me. XXXX XXXX, XXXX. Resurgent Capital Services L.P . XXXX XXXX, XXXX. Attention : Correspondence Dept. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO. XXXX XXXX, SC. XXXX Thanks in Advance,
Company Response:
State: TX
Zip: 77351
Submitted Via: Web
Date Sent: 2017-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had account with XXXX I did a settlement and pay it in a full and as of today my account still active and on
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is XXXX XXXX XXXX. I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. Yet, the account is there again, and XXXX has removed my ability from disputing online. I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I have a Judgment against me District Court XXXX County, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX. XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a XXXX XXXX debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has XXXX XXXX XXXX dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection 207a or 207b do not apply to this matter. He also refused to accept my award letter as proof from the Social Security Administration.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX is reporting on my credit report for the amount of XXXX. I disputed this item and also sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX has not responding and XXXX XXXX XXXX keeps reporting this item on my XXXX credit report
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX XXXX XXXX. c/o Resurgent Capital Services is reporting an old debt from XXXX XXXX XXXX XXXX in the amount of {$590.00} to the three Collection Bureaus. This company is not a licensed collection agency in Nevada and I have learned that they have no right to attempt collection on this debt. I have re-established credit with XXXX XXXX XXXX and currently hold 2 accounts with them. I would like to request that this debt be disputed and removed from all three of the Credit Bureaus as soon as possible. As of XXXX/XXXX/XXXX, the debt is still showing on my credit reports and is bringing my credit scores down. Thank you for your time!
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX XXXX, I began receiving numerous debt collection letters from Resurgent Capital Services for debt I did not recognize. The only debts that could possibly be related to me are from XXXX -- when I had a XXXX and was unable to pay my bills, and creditors would not work with me to set up a payment plan. I have not made any payments on these debts since XXXX, and I have been informed that these debts are now time-barred. I do not know why I suddenly began receiving collection letters in XXXX of this year. With the help of an advocate, I sent Resurgent Capital Services a certified letter to cease all communication with me and to record in my file that I did not want to receive any future communications about these debts from anyone. I am a senior and a XXXX veteran and receiving these letters makes me very XXXX XXXX XXXX. Despite my letter telling Resurgent Capital Services to cease communication, the alleged owner of the debt XXXX XXXX has apparently now placed my account with another debt collector, XXXX XXXX, XXXX who is now sending me collection letters for the same debts.
Company Response:
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX is reporting a debt on my XXXX, XXXX, and XXXX reports which the have not provide sufficient information and documents showing that I legally owe the debt and that the can legally collect the stated debt. I have sent disputes to them but the keep responding by stating debt is valid without providing any proof of what they are verifying to show account belongs to me ( original contracts bearing my signature, account histories, legal right to collect the debt ). The are in severe violation of FCRA laws their refusal to validate debt is mine and continuing to report this damaging, derogatory, and defaming accounts to the credit bureaus without any documented proof that this account is mine or the have the right to collect from me.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello : This company is reporting the same debt twice on my credit report to perpective employers it appears as if the debt is two different collections. Please remove this entry and allow the XXXX entry to report this. Thanks.
Company Response:
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A