Resurgent Capital Services sent me a letter about a debt that I owe to capital one credit card. The letter had an account number and all info on it. The amount owed was higher than it was originally but I figured the extra was collection fees. I sent a payment to them figuring that it would be applied to the balance. This was not the original collection agency who was collecting on the debt but I figured maybe the debt was sold to a different company. So, a week later, I get a call from the original collection Agency which was Portfolio Recovery Services and they tell me that they own the debt still and that they received no payment. I told them about Resurgent Capital Services and Portfolio said that Resurgent doesn't own the account. Resurgent collected money from me on false pretenses.

Here's a new twist to an old scam. Resurgent (One of a dozen names they use in this mailing ) mails me this pretty blue sky envelope with no markings except a return PO Box in Sioux falls, SD. Doesn't even have their name on it. Inside is a neatly folder credit application form. It says I'm PREAPPROVED WOW!! Of course it ask for all my personal information. If I'm PRE-APPROVED shouldn't they already know all that? Now if you read the fine print which most people dont bother to do and that's what they are counting on... It says they ( LVNV Funding LLC ) is actually trying to collect a debt that they bought from CITIFinancial for $5,000. Wait a minute! Are they Resurgent or LVNV ? and I never had an account with CITI anything. Now they are going to offer me a ONE TIME DEAL ! If I apply for the Plains Commerce Bank of Hoven, SD VISA card ( HUH, who are they? ) and I'm approved, ( Hey I thought I was Pre-Approved ? ) They will allow me to transfer $4500 of the debt and after its all done will FORGIVE me the other $500. BOY these are such great Guys aren't they? makes you want to get on the next plane to South Dakota and give them a big hug, A Brooklyn Hug that is! Right between the eyes! Now it says if I'm not interested in the credit card deal ( Gee what do you think ) I should call Capital Management ( Huh ??? Who are they) to pay it off in full. These people have so many names and so many angles. If you get a letter claiming they are collecting a debt, DONT TELL THEM ANY PERSONAL DETAILS, NOTHING, ask them to mail you proof of the debt and not just some damn form letter saying its proof, You want a copy of the original debt and proof they bought it, if they don't produce it, tell them to go pound sand! And if they are calling from a blocked or "unknown" number don't answer it or if you do tell them your reporting their violation of the Fair Credit Collections Act. And contact your states Attorney Generals office.