Independent profile. Not owned, sponsored or endorsed by Resurgent Capital Services / LVNV Funding.
Resurgent Capital Services / LVNV Funding Reviews, Complaints & Contacts
Resurgent Capital Services L.P. is a Greenville, South Carolina debt collector that services charged-off accounts owned by debt buyers, including LVNV Funding LLC. Regulator settlements include Maryland in 2012 and Connecticut in 2021, and New York settled with Sherman Financial Group in 2014. The 2016 Fritz class settlement was followed by later court rulings.
Contacts & Login
Customer service & general contact
- Resurgent customer care (account questions, payments)(888) 665-0374 33 complaints mention this number
- Resurgent Contact Us formportal.resurgent.com/contact ↗
Billing & payments
- Resurgent self-service portal (view account, pay)portal.resurgent.com/users/signin ↗
Account & login
- Resurgent Office of the Chief Compliance Officer (complaints about account handling)(866) 572-0262
Official website
- Resurgent websiteresurgent.com ↗
Other contacts
- Resurgent Office of the Chief Compliance Officer email[email protected]
- LVNV Funding information pagelvnvfunding.com ↗
Reference numbers (not support lines)
- Listed by BBBBBB-listed phone for Resurgent Capital Services LP(864) 248-8700 6 complaints mention this number
Locations
- Headquarters55 Beattie Place, Suite 110, Greenville, SC 29601
- Mailing addressResurgent Correspondence, P.O. Box 10497, Greenville, SC 29603
- Mailing addressResurgent Capital Services, P.O. Box 10466 (payments), Greenville, SC 29603
- Mailing addressCredit report item disputes, P.O. Box 1269, Greenville, SC 29602
Is Resurgent Capital Services / LVNV Funding Legitimate?
BBB, CFPB and Trustpilot figures
- Legal name
- Resurgent Capital Services L.P.
- Business type
- Debt collection servicer (Resurgent Capital Services L.P., Greenville, South Carolina) that manages and collects consumer accounts owned by debt buyers, including LVNV Funding LLC
- Website
- resurgent.comSource: Resurgent Capital Services website, checked
- Headquarters
- Greenville, SCSource: Connecticut Consent Order, 2021, and Resurgent overnight payment address, checked
Resurgent Capital Services L.P. is a licensed debt collector: a Delaware limited partnership based in Greenville, South Carolina, registered in the Nationwide Multistate Licensing System as NMLS ID 2301 and licensed in Connecticut as a consumer collection agency since 2015. BBB has listed it as an Accredited Business since 2017 and rates it A+. LVNV Funding LLC is a debt buyer that owns the accounts and, on its own website, sends all inquiries to Resurgent. A letter or call from Resurgent about an LVNV account is therefore normal for this business model, and it does not by itself mean the debt is fake.
Being licensed does not settle whether a particular debt is yours or whether the amount is right. That depends on the account records, which is why dispute and verification routes exist. Maryland's collection agency board settled allegations of unlicensed collection with both LVNV and Resurgent in 2012; Connecticut's banking regulator settled an allegation that Resurgent collected improper interest, which Resurgent traced to one account, for a $2,500 penalty in 2021. The 2016 Fritz class settlement required Resurgent and LVNV to delete certain credit report entries, and the CFPB database holds tens of thousands of consumer complaints; none of these is a court finding of wrongdoing.
Check before you pay. Impostors sometimes pose as real collectors. Compare the phone number and mailing address with the ones Resurgent publishes ((888) 665-0374; PO Box 10497, Greenville, SC 29603), log in at portal.resurgent.com to see the original creditor and balance, and look up Resurgent's state licenses on NMLS Consumer Access (nmlsconsumeraccess.org) under NMLS ID 2301.
Independent Sources
Complaint Themes
Reviews & Complaints on USAComplaints
106 complaints linked to the Resurgent Capital Services / LVNV Funding profile are published on this site (2004-2023). 1 is from 2023-2026.
- Twenty-Year-Old Identity Theft Debt Past Statute of Limitations
- Collector demanded 3000 by Western Union on 850 balance
- Paid Credit Card Debt Keeps Being Sold to Collectors
- Disputed Charge-Off Balance of $2106 on Credit Report
- Debt Collection for Capital One Card I Never Had
Show 15 more complaints on this page
- Personal Loan I Never Applied For Appears on My Credit Report
- Collection Letter for Non-Existing Citibank Debt
- Junk Debt Dealer Chasing Capital One Debt Written Off in 2008
- Harassing Calls for Previous Owner of My Landline Number
- Four Accounts on My Credit Report That I Never Had
- Time-Barred Credit Card Debt Letters Sent by Multiple Collectors
- Harassment Over Multiple Accounts With Wrong Name and Address
- Junk Debt Buyer Reports Collection Accounts as Open Accounts
- Paid Renegotiated Amount on 1996 Mervyn's Account With No Proof
- Third-Party Collector Claimed I Owe Over 500 Dollars on Old Southwestern Bill
- Identity Theft Victim Disputes Account Not Mine
- National Credit Works Couldn't scam me so they scammed my mom instead
- Time-Barred Charge-Off Debt Pursued Despite Validation and Cease Letters
- Account Reinserted on Credit Report Day After Prior Creditor Deleted
- Promised Credit Report Item Removal Was Never Delivered
Resurgent and LVNV complaint record: BBB, CFPB database, Trustpilot and this site's archive
BBB. The BBB profile for Resurgent Capital Services LP in Greenville, SC shows an A+ rating and BBB Accreditation since 2017, 383 complaints in the last 3 years, 111 complaints closed in the last 12 months, and 693 customer reviews averaging 3.88 out of 5.
CFPB Consumer Complaint Database. The federal database lists 74,253 complaints under the company name Resurgent Capital Services L.P., about 24,000 of them received in the last 12 months. By product: debt collection 54,199; credit reporting or other personal consumer reports 14,858; the older credit reporting and credit repair category 3,666; credit card 769. The most frequent issues are attempts to collect a debt the consumer says is not owed (21,834), written notification about the debt (10,286), false statements or representation (9,597). The list continues with incorrect information on a credit report (9,445) and taking or threatening negative or legal action (7,532). Resurgent closed 58,087 complaints with an explanation, 15,958 with non-monetary relief and 117 with monetary relief; 29 were in progress. It responded on time to all but 14.
Trustpilot. The resurgent.com profile is unclaimed and has a single review, too few to say anything about the company.
Complaints on this site. The reports are dated 2004-2023. Posts that name Resurgent or LVNV together with other collectors or creditors are linked as secondary mentions and are not counted. Most of the linked complaints were written between 2006 and 2012 and describe collection letters, phone calls and credit report entries from those years. The themes listed under “Complaint themes” are topics drawn from them.
Had an experience with Resurgent Capital Services / LVNV Funding? Tell other people what happened.
Submit a ComplaintResurgent Capital Services and LVNV Funding: disputes, verification, credit reports and complaints
Two names appear together on collection letters, court papers and credit reports. Resurgent Capital Services L.P. (Resurgent) is the Greenville, South Carolina servicer that contacts people. LVNV Funding LLC (LVNV) is the debt buyer that owns the accounts Resurgent manages. Resurgent's FAQ describes Resurgent as “a servicer of accounts, primarily for debt purchasers who acquire these charged-off debts from creditors.” Neither company is your original creditor, the bank, card issuer or lender that opened the account.
Who is who. LVNV's website tells consumers that they still owe the debt but its new owner is LVNV Funding, that LVNV outsources the management of its accounts to Resurgent, and that all inquiries should go to Resurgent. Resurgent's FAQ says the account owner has asked it to contact you, and that it may contact you directly or through one of its partner collection agencies. For most accounts, its self-service portal (portal.resurgent.com) shows the current balance, the current owner, the original creditor and the last payment date. A guest payment option asks for the original account number or Resurgent ID, your last name and the last 4 digits of your Social Security number.
Contacts Resurgent publishes. Customer care (888) 665-0374, Monday to Thursday 8 AM-9 PM, Friday 8 AM-7 PM and Saturday 9 AM-5 PM Eastern; check the Contact Us page for Sunday hours. Fax (866) 467-0163. The online Contact Us form has topics including “I want to dispute this debt” and “I need more information about this account.” Mail: payments to Resurgent Capital Services, PO Box 10466, Greenville, SC 29603; general disputes and correspondence to Resurgent Correspondence, PO Box 10497, Greenville, SC 29603; disputes about an item on your credit report to PO Box 1269, Greenville, SC 29602. Complaints about how an account was handled go to the Office of the Chief Compliance Officer: (866) 572-0262, [email protected], or Compliance Department, MS 250, P.O. Box 10497, Greenville, SC 29603. Resurgent asks you to include your name, a phone number or email address and the account number.
Disputing the debt or asking for verification. Under Regulation F, a collector must give you validation information in its first message or within five days of it. The notice states the creditor, an itemization and the current amount, and an end date for a 30-day period in which you can dispute. If you dispute in writing, or ask for the original creditor's name and address, within that period, the CFPB says the collector must pause collecting the disputed amount until it has responded.
Send the dispute in writing, keep a copy and proof of mailing, and say clearly that you dispute the debt and want verification. Resurgent's FAQ says that on a written request for verification it mails a hard copy of an account summary or a copy of the judgment, if one was obtained, and other account documents such as bill statements, as available. You can also tell a collector in writing to stop contacting you; that does not erase the debt, and the owner can still sue.
If you are sued. LVNV is often the named plaintiff in collection lawsuits. Do not ignore a summons. File a written response (an answer) with the court by the deadline printed on the summons, which differs from state to state. Otherwise, the court can enter a default judgment that allows wage garnishment or a bank levy where state law permits. Regulation F, the CFPB's rule under the Fair Debt Collection Practices Act (FDCPA), bars a collector from suing or threatening to sue on a debt that is past the state statute of limitations.
If you are sued on an old debt anyway, the statute of limitations is a defense you have to raise in your answer; the court does not apply it on its own. In some states a payment on an old debt can restart that clock, so get advice before paying. Free legal aid offices and consumer attorneys handle these cases, and the FDCPA lets a court award attorney's fees to a consumer who proves a violation.
Credit reports. Resurgent's FAQ says the name on the credit report entry is the account owner's, so you will see LVNV Funding rather than Resurgent when LVNV owns the account; Resurgent Receivables LLC, a separate company Resurgent works with, may also appear. Resurgent says it does not report a newly bought account for at least 45 days and deletes collection entries no later than seven years after the date of first delinquency. It adds that, if you pay or settle in full after reporting has begun, it sends the bureaus a delete request.
If you pay before reporting begins, it says it will not report the account. It cannot change what the original creditor reports, and these practices may not apply to accounts that were not charged off or that it manages for certain clients. You can dispute an entry with Resurgent at PO Box 1269 or directly with Equifax, Experian and TransUnion; a bureau has 30 days to investigate a dispute.
Identity theft. If you believe the account was opened by someone else, Resurgent's FAQ asks for one or more of a notarized Identity Theft Affidavit, a police report, or an Identity Theft Report from IdentityTheft.gov, plus any letters to or from earlier creditors. Upload them under the “I want to dispute this debt” topic or mail them to Resurgent Capital Services L.P., Attention: Customer Service Department, P.O. Box 10497, Greenville, SC 29603.
Where to escalate. If Resurgent's compliance office does not resolve the problem, you can file a complaint with the Consumer Financial Protection Bureau (consumerfinance.gov/complaint or (855) 411-2372), which forwards it to the company for a response. You can also report abusive or deceptive collection to the FTC at ReportFraud.ftc.gov. In addition, contact your state attorney general and the state agency that licenses collection agencies. A BBB complaint is another channel for a written response. Keep copies of every letter and note the date and time of each call. If you plan to sue a collector for violating the FDCPA, the law requires the lawsuit to be filed within one year of the violation. A complaint is an allegation until an agency or court decides it.
Maryland and Connecticut settlements with LVNV and Resurgent, and New York's 2014 action against Sherman Financial Group
Each summary on this page is taken from the agency's own order or settlement. These are negotiated settlements of allegations, not court findings of liability.
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Maryland State Collection Agency Licensing Board, 2012. The Board's June 2012 Settlement Agreement with LVNV Funding LLC and Resurgent Capital Services Limited Partnership (CFR-FY2012-012) says the two companies “are part of a family of companies under Sherman Financial Group LLC.”
It followed an October 25, 2011 summary order to cease and desist and summary suspension of their collection agency licenses. That order was issued after the agency found reasonable grounds to believe they had engaged in unlicensed collection activity and violated Maryland and federal debt-collection laws. It also followed a November 17, 2011 interim agreement that let them resume some collection.
The agreement states: “Respondents do not admit to the Alleged Violations” and “expressly deny any such liability or wrongdoing.” Terms include a $1,000,000 voluntary penalty and dismissal without prejudice of 3,564 pending Maryland district court collection cases (claims totaling $7,770,564.98). They also include account credits for prejudgment interest and attorney's fees awarded in judgments (5,793 consumers, $3,609,367.74) and credits for settlement amounts above the sued-for amount (453 consumers, $235,824.72). They further include $23,567 in administrative expenses and updated credit reports for affected consumers under the Fair Credit Reporting Act.
Connecticut Department of Banking, 2021. A Consent Order with Resurgent Capital Services L.P. (NMLS #2301), issued August 26, 2021, says the Commissioner “alleges that Resurgent collected interest on certain Connecticut consumer debtor accounts” in violation of state law. Resurgent had provided records of its Connecticut activity from about August 28, 2002 to April 7, 2017, and “represents it identified one (1) account wherein interest accrued in violation” of the cited provisions, which was eliminated. The order states “Resurgent neither admits nor denies the allegations,” requires a $2,500 civil penalty, and requires Resurgent to cease and desist from violating the cited sections.
New York Attorney General, 2014 (Sherman Financial Group). On May 8, 2014 the Attorney General announced settlements with two large debt buyers, Portfolio Recovery Associates and Sherman Financial Group. According to the announcement, Sherman had obtained more than 400 default judgments against New York consumers on claims that were too old to sue on under New York's borrowing statute. Sherman agreed to ask the courts to vacate those judgments, stop collecting on them, change its collection procedures, including telling consumers when it will not sue on a debt past the statute of limitations, and pay $175,000 in civil penalties and costs. The announcement names Sherman Financial Group, not LVNV or Resurgent by name.
Who regulates these companies. Debt collectors are licensed state by state; Resurgent's licenses can be looked up on NMLS Consumer Access under NMLS ID 2301. At the federal level the Consumer Financial Protection Bureau and the Federal Trade Commission enforce the Fair Debt Collection Practices Act, and the CFPB also supervises large debt collectors and furnishers of credit report data.
Resurgent and LVNV consumer lawsuits and settlements
The cases on this page are summarized from the court's own orders, opinions or docket. A class settlement is a compromise: the court approves the terms but does not decide whether the allegations are true.
More on the lawsuitsShow less
Fritz v. Resurgent Capital Services, LP et al. (E.D.N.Y. 1:11-cv-03300). A Fair Debt Collection Practices Act class action against Resurgent Capital Services, LP; LVNV Funding, LLC; Alegis Group, LLC; Mel S. Harris and Associates, LLC; David Waldman; and Resurgent Capital Services, LLC. On the plaintiffs' unopposed motion for final approval of an August 26, 2015 settlement agreement, Senior Judge Frederic Block signed a Final Order and Judgment on September 9, 2016 (filed September 12, 2016). It recites a Credit Reporting Class of 56,545 members and subclasses of 4,942 (misidentification), 537 (lack of standing) and 537 (unlicensed), six exclusion requests and no objections. It orders Resurgent and LVNV “to delete any existing tradeline currently reported to any Credit Reporting Agency for all members of the Credit Reporting class regarding the debts that are the subject of the FDCPA lawsuit,” awards class counsel $132,485 in fees and costs, and dismisses the complaint with prejudice. The court notes that the defendants deny any liability, and the order states that neither it nor the agreement is an admission of liability.
Dorrian v. LVNV Funding, LLC, 479 Mass. 265 (2018). Massachusetts borrowers sued LVNV as a class, claiming it collected debts in the state without a debt-collector license. The Superior Court certified the class and granted summary judgment to the borrowers. On April 9, 2018 the Supreme Judicial Court (SJC-12355) held that LVNV, a “passive debt buyer” that buys debt for investment and leaves all collection to a licensed servicer, Resurgent, is not a “debt collector” under G. L. c. 93, § 24. The court also held that LVNV did not need that license and vacated the order granting summary judgment against LVNV.
Tabiti v. LVNV Funding, LLC (N.D. Ill. 1:13-cv-07198). A Fair Debt Collection Practices Act class action filed October 8, 2013 against LVNV Funding, Resurgent Capital Services and Alegis Group. Judge Joan B. Gottschall granted preliminary approval of a class settlement on November 26, 2019 and on February 21, 2020 administratively closed the case “in light of the proposed settlement.” The April 8, 2020 fairness hearing was struck under the court's COVID-19 general order, to be reset. The public docket shows no final approval order, so the settlement is listed as proposed, not approved; the docket entries do not state its amount.
Diana v. LVNV Funding, LLC (N.J. Supreme Court, A-52-24). Decided July 8, 2026 by a unanimous Court. After LVNV won a default judgment against him on a credit card debt, the plaintiff filed a class action claiming that LVNV and the companies that held the debt before it lacked licenses under the New Jersey Consumer Finance Licensing Act. The plaintiff claimed that their purchase of the debt was therefore void. The trial court dismissed the complaint with prejudice and the Appellate Division affirmed. The Supreme Court held that the Act “does not contain an implied private right of action for a borrower to void a loan contract” and affirmed. The ruling decides who may sue under the Act; it makes no finding on the licensing allegations. The opinion also notes that the defendants were never investigated or prosecuted for any violation of the Act.
Sutlovich v. LVNV Funding, LLC (W.D. Pa. 2:24-cv-01739). A Fair Credit Reporting Act case filed in federal court on December 23, 2024 before Judge William S. Stickman. LVNV and the plaintiff filed cross-motions for summary judgment, and on September 14, 2026 the court decided them in a memorandum opinion and order; the docket entries do not state which side prevailed. The claims are the plaintiff's allegations.
LVNV and Resurgent are also named in many other individual consumer lawsuits; each turns on its own facts, and a lawsuit filed is not a finding.
Court & Public Records
Fritz v. Resurgent Capital Services, LP; LVNV Funding, LLC; Alegis Group, LLC; et al. (FDCPA class settlement)
SettledSenior Judge Frederic Block signed a Final Order and Judgment on September 9, 2016 (filed September 12, 2016) approving an August 26, 2015 class settlement of Fair Debt Collection Practices Act claims. The Credit Reporting Class had 56,545 members; six asked to be excluded and none objected. The order requires Resurgent and LVNV to delete the tradelines reported for class members for the debts at issue, awards class counsel $132,485 in fees and costs, and dismisses the complaint with prejudice. The court notes that the defendants deny any liability, and the order states that neither it nor the settlement is an admission of liability.
Dorrian v. LVNV Funding, LLC (passive debt buyer and the Massachusetts debt-collector license)
Appeal decidedDecided April 9, 2018 in LVNV's favor. Massachusetts borrowers sued LVNV as a class, claiming it collected debts without the state debt-collector license; the Superior Court certified the class and granted summary judgment to the borrowers. The Supreme Judicial Court held that LVNV, a “passive debt buyer” that buys debt for investment and leaves all collection to a licensed servicer (Resurgent), is not a “debt collector” under G. L. c. 93, § 24 and did not need that license, and it vacated the order granting summary judgment against LVNV.
Tabiti v. LVNV Funding, LLC (proposed class settlement, administratively closed)
FiledA Fair Debt Collection Practices Act class action against LVNV Funding, Resurgent Capital Services and Alegis Group before Judge Joan B. Gottschall. The court granted preliminary approval of a class settlement on November 26, 2019 and, on February 21, 2020, administratively closed the case “in light of the proposed settlement.” The April 8, 2020 fairness hearing was struck under the court's COVID-19 general order, to be reset. The public docket shows no final approval order, so this is listed as a proposed settlement, not an approved one.
Diana v. LVNV Funding LLC (New Jersey Consumer Finance Licensing Act; no implied private right of action)
Appeal decidedThe ruling decides who may sue under the Act; it makes no finding on the licensing allegations.
Case details: Diana v. LVNV Funding LLC (New Jersey Consumer Finance Licensing Act; no implied private right of action)Show less
Decided July 8, 2026 by a unanimous Court. The plaintiff, sued earlier by LVNV over a credit card debt, brought a class action claiming that LVNV and the companies that held the debt before it were not licensed under the New Jersey Consumer Finance Licensing Act, so their purchase of the debt was void. The trial court dismissed the complaint with prejudice and the Appellate Division affirmed. The Supreme Court held that the Act “does not contain an implied private right of action for a borrower to void a loan contract” and affirmed.
Sutlovich v. LVNV Funding, LLC (FCRA)
FiledA Fair Credit Reporting Act lawsuit against LVNV Funding, filed in federal court on December 23, 2024 and assigned to Judge William S. Stickman. LVNV and the plaintiff each moved for summary judgment, and on September 14, 2026 the court decided both motions in a memorandum opinion and an accompanying order. The docket entries do not state which side prevailed. The claims are the plaintiff's allegations.
About Resurgent Capital Services L.P. and LVNV Funding LLC
Resurgent Capital Services L.P. is a Delaware limited partnership with its office at 55 Beattie Place, Suite 110, Greenville, South Carolina, according to Connecticut's 2021 consent order. It is licensed through the Nationwide Multistate Licensing System as NMLS ID 2301, and Connecticut has licensed it as a consumer collection agency since November 2, 2015. Its privacy policy says it “is a debt collector and our communications are an attempt to collect debt.” On its own website Resurgent says its headquarters and most of its operations are in Greenville, that its technology group works from Cincinnati, Ohio, that it has more than 20 years of experience, and that it holds certification from the Receivables Management Association International (RMAi). Its site also displays BBB and ACA International membership logos.
LVNV Funding LLC is a debt buyer. Its website tells consumers that LVNV is now the owner of their account, that it outsources the management of its accounts to Resurgent, and that Resurgent may contact them directly or through a partner collection agency. The 2012 Maryland settlement describes LVNV as a consumer debt purchaser and Resurgent as a collection agency that services the consumer claims owned by LVNV and other companies. In Dorrian v. LVNV Funding (2018), Massachusetts' highest court described LVNV as a passive debt buyer that leaves all collection work to Resurgent.
Related companies. Resurgent's FAQ says Resurgent Receivables LLC, which may also appear on credit reports, is a separate company it works closely with. The 2012 Maryland settlement states that LVNV and Resurgent were then part of a family of companies under Sherman Financial Group LLC.
Company Relationships
- Collects debts forLVNV Funding LLC
- Affiliated withResurgent Receivables LLC
- Affiliated withSherman Financial Group LLC
Frequently Asked Questions
What is the difference between Resurgent Capital Services and LVNV Funding?
LVNV Funding is the debt buyer that owns the account; Resurgent Capital Services is the licensed collector that manages it. LVNV's website says it “outsources the management of its portfolio of accounts to a company called Resurgent Capital Services” and sends all inquiries to Resurgent. Neither is the original creditor. Resurgent's portal shows the original creditor and current owner for most accounts; contact Resurgent, not LVNV, with questions, disputes or payments.
Is Resurgent Capital Services / LVNV Funding a scam?
Resurgent Capital Services L.P. is a Delaware limited partnership with an office at 55 Beattie Place, Suite 110, Greenville, South Carolina, according to an August 26, 2021 consent order of the Connecticut Department of Banking. In that order the Banking Commissioner alleged that Resurgent collected interest on certain Connecticut consumer debtor accounts in violation of state law; Resurgent neither admitted nor denied the allegations and agreed to pay a $2,500 civil penalty. LVNV Funding LLC's own website says it outsources the management of its portfolio of accounts to Resurgent and asks consumers to direct all inquiries to Resurgent. Before paying anything, compare the phone number and mailing address on a letter with the ones listed in Contacts.
Is Resurgent Capital Services / LVNV Funding legit?
Resurgent Capital Services L.P. is a licensed third-party debt collector that, according to LVNV Funding's website, manages the portfolio of accounts owned by LVNV Funding LLC, which buys accounts after the original creditor charges them off. The Connecticut Department of Banking consent order of August 26, 2021 lists Resurgent under NMLS ID 2301 and states that it had been licensed as a consumer collection agency in Connecticut since November 2, 2015. Resurgent's online portal lists the phone number (888) 665-0374 and the mailing address P.O. Box 10497, Greenville, SC 29603, and LVNV's website links to Resurgent's Contact Us form at portal.resurgent.com/contact. A license does not settle whether a particular debt is yours or the balance is correct; the dispute and verification steps are in the block on disputes, verification, credit reports and complaints.
How do I dispute a debt or ask Resurgent to verify it?
To dispute a debt with Resurgent Capital Services, put the dispute in writing. Use the “I want to dispute this debt” topic on Resurgent's Contact Us form or mail a letter to Resurgent Correspondence, PO Box 10497, Greenville, SC 29603, and keep a copy and proof of mailing; the phone line is (888) 665-0374. Resurgent's FAQ says that on a written request for verification it mails a hard copy of an account summary or a copy of the judgment, if any, and other account documents such as bill statements, as available. Timing matters: if you dispute in writing within the 30-day period stated in the collector's validation notice, the CFPB says the collector must pause collecting the disputed amount until it responds. The CFPB publishes free sample dispute letters.
Why does LVNV Funding appear on my credit report instead of Resurgent?
Resurgent's FAQ says the name on a credit report entry “will be the name of the account owner,” so the debt buyer, LVNV Funding, appears instead of Resurgent; Resurgent Receivables LLC, a separate company Resurgent works with, may also appear. To dispute the entry, write to Resurgent at PO Box 1269, Greenville, SC 29602, or dispute it directly with Equifax, Experian and TransUnion. Resurgent says it does not report a newly bought account for at least 45 days and deletes collection entries no later than seven years after the date of first delinquency.
If I pay or settle the account, what does Resurgent say happens to the credit report entry?
Resurgent's FAQ says that if an account is paid or settled in full before it starts reporting, it will not report the account at all. If you pay or settle in full after reporting has begun, it sends the major credit bureaus a delete request once the payment has processed; its portal disclosures say this request goes out within 30 days. If the final payment is reversed, the account can be reported as active again. Resurgent says it cannot control how fast the bureaus act or predict the effect on your score, and that it cannot delete what the original creditor reports. These practices may not apply to accounts that were not charged off or that it manages for certain clients, so ask for written confirmation of the delete request before you pay.
Where can I complain about how Resurgent handled my account?
Start with Resurgent's Office of the Chief Compliance Officer: (866) 572-0262, [email protected], or Compliance Department, MS 250, P.O. Box 10497, Greenville, SC 29603. Include your name, a phone number or email address and the account number, and describe what happened with dates. If that does not resolve it, file with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint, which sends the complaint to the company for a response. Also report abusive or deceptive collection to the FTC at ReportFraud.ftc.gov, and contact your state attorney general or the state agency that licenses collectors. A complaint is an allegation until an agency or court decides it.
What does Resurgent ask for if the account results from identity theft?
Resurgent's FAQ asks for a notarized Identity Theft Affidavit, a police report or an Identity Theft Report from IdentityTheft.gov, plus any letters to or from earlier creditors about the account. Upload them under the “I want to dispute this debt” topic on its Contact Us page or mail them to P.O. Box 10497, Greenville, SC 29603. An IdentityTheft.gov report is free and can also be used to ask each credit bureau to block the entry.
What did the 2012 Maryland settlement with LVNV and Resurgent say?
The June 2012 settlement between Resurgent Capital Services and Maryland's State Collection Agency Licensing Board (CFR-FY2012-012) resolved allegations of unlicensed collection activity and violations of Maryland and federal debt collection laws. LVNV and Resurgent state that they “do not admit to the Alleged Violations” and “expressly deny any such liability or wrongdoing.” They agreed to a $1,000,000 voluntary penalty and dismissal without prejudice of 3,564 pending Maryland district court collection cases (claims of $7,770,564.98). They also agreed to credits for prejudgment interest and attorney's fees to 5,793 consumers ($3,609,367.74) and credits to 453 consumers who had settled for more than the amount sued for ($235,824.72). They also agreed to corrected credit reports for the consumers affected.
What did the 2021 Connecticut consent order with Resurgent say?
The Connecticut Department of Banking's Consent Order, issued August 26, 2021, says the Commissioner alleges Resurgent collected interest on certain Connecticut consumer debtor accounts in violation of Section 36a-809-12 of the state regulations and Section 36a-808 of the General Statutes. Resurgent represented that an audit found one account where interest accrued in violation, and that it eliminated that interest. The order states that “Resurgent neither admits nor denies the allegations,” requires a $2,500 civil penalty, and orders Resurgent to cease and desist from violating those sections.
What do the BBB and CFPB figures for Resurgent show?
BBB's profile for Resurgent Capital Services LP in Greenville, SC shows an A+ rating and BBB Accreditation, 383 complaints in the last 3 years, 111 closed in the last 12 months, and 693 customer reviews averaging 3.88 out of 5. The CFPB database lists 74,253 complaints under Resurgent Capital Services L.P., about 24,000 of them from the last 12 months; most concern debt collection, and the most common issue is a debt the consumer says is not owed. Resurgent closed most of them with an explanation and about 16,000 with non-monetary relief, such as a credit report correction.
Related Complaints
Role in the other company’s page
Show 15 more complaintsShow less
Sources (2)
Resurgent Capital Services / LVNV Funding (own site)
- Resurgent FAQ and lvnvfunding.com portal.resurgent.com
Public records
- Connecticut Department of Banking Consent Order, 2021 portal.ct.gov