LVNV Funding: who they are and what the CFPB complaint record shows
LVNV Funding: CFPB complaint record (last 3 years), the most common complaint issues, and the rights the law gives you when a collector contacts you.
Last updated
Short answer: LVNV Funding LLC buys charged-off accounts. Its website says it outsources management of those accounts to Resurgent Capital Services, a licensed third-party debt collector in Greenville, South Carolina, so letters and calls about an LVNV account usually come from Resurgent. If LVNV Funding has contacted you, federal law (the Fair Debt Collection Practices Act and the CFPB's Regulation F) gives you the right to a validation notice and to dispute the debt. This page lists facts only; it is not legal or financial advice.
Company facts
| Field | Value |
|---|---|
| Legal name | LVNV Funding LLC (lvnvfunding.com) |
| Headquarters | 355 S Main Street, Suite 300-D, Greenville, SC 29601 (principal address on LVNV's Florida Division of Corporations filing, sunbiz.org, document M11000001488); a Delaware LLC. Servicer Resurgent Capital Services: P.O. Box 10497, Greenville, SC 29603 (resurgent.com) |
| Type | Debt buyer (account owner). LVNV says it "outsources the management of its portfolio of accounts to a company called Resurgent Capital Services," a licensed third-party debt collector (lvnvfunding.com) |
| Website | lvnvfunding.com |
| Phone | Resurgent: 1-888-665-0374; NMLS ID 2301 (resurgent.com) |
| State license | Check it yourself on NMLS Consumer Access (we do not copy NMLS data) |
CFPB complaint record (Oct 14, 2023 – Oct 13, 2026)
The CFPB does not list a company named "LVNV Funding." The figures below are for Resurgent Capital Services L.P., which LVNV's website says manages its accounts. Resurgent's totals may include accounts it services for other owners.
Company name searched in the CFPB database: Resurgent Capital Services L.P.
- Complaints received: 56,552
- Timely company response: 56,551 of 56,552 (100.0%)
Top 5 issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 15,966 |
| False statements or representation | 8,500 |
| Written notification about debt | 7,607 |
| Incorrect information on your report | 7,290 |
| Took or threatened to take negative or legal action | 6,418 |
How the company closed complaints
| Response | Complaints |
|---|---|
| Closed with explanation | 42,147 |
| Closed with non-monetary relief | 14,373 |
| In progress | 32 |
Top states by complaints
| State | Complaints |
|---|---|
| TX | 7,701 |
| FL | 6,764 |
| GA | 5,122 |
| CA | 4,838 |
| NY | 2,874 |
The CFPB notes that complaint counts are not a rating and should be considered in the context of a company's size. Complaints are not verified by the CFPB. See this query in the CFPB database.
Public enforcement actions
None found in the CFPB enforcement actions search for "LVNV" or "Resurgent" on Oct 13, 2026. No FTC action found in a web search of ftc.gov on Oct 13, 2026. State actions: on Jun 28, 2012 LVNV and Resurgent settled with the Maryland State Collection Agency Licensing Board (represented by the Maryland Attorney General's office): $1 million, dismissal of 3,564 pending Maryland cases, and account credits; the companies denied wrongdoing (settlement agreement). In 2014 the New York Attorney General settled with LVNV's parent, Sherman Financial Group, over default judgments on time-barred debts ($175,000 in penalties and costs) (NY AG press release).
What the law gives you when a collector contacts you
- Validation notice. Under Regulation F (12 CFR 1006.34), a debt collector must give you a validation notice with the amount owed, the creditor and how to dispute. eCFR §1006.34
- Right to dispute. The notice gives the date by which you can dispute; if you dispute in writing in that period, the collector must stop collecting until it sends verification. CFPB: What information does a debt collector have to give me?
- Sample letters. The CFPB publishes free sample letters to request information, dispute a debt or limit contact. CFPB debt collection letters
- Complaints. You can file a complaint with the CFPB at consumerfinance.gov/complaint.
- Time limits. Each state sets a statute of limitations on debt. Each state has its own rules; a state-by-state guide is coming soon.
Frequently asked questions
Is LVNV Funding a real debt collector?
Yes. Its own website explains that it buys accounts and that Resurgent Capital Services manages them.
What should I ask LVNV Funding for first?
The validation information described in Regulation F §1006.34; the CFPB's sample letters cover this.
Can I file a complaint about LVNV Funding?
Yes, anyone can file a complaint with the CFPB online.