Short answer
Resurgent Capital Services is a debt servicer and licensed collection agency in Greenville, South Carolina. It manages charged-off consumer accounts for the credit grantors and debt buyers that own them, and the best known of those owners is LVNV Funding LLC. If Resurgent has written to you, the account is a personal consumer debt, not a business loan or a merchant cash advance. Resurgent Capital Services reviews on the Better Business Bureau show an A plus rating, accreditation since 9/8/2017 and 383 complaints in three years. The federal Consumer Financial Protection Bureau's public database lists far more: 56,871 complaints received in the three years to October 21, 2026. The same BBB profile states that Resurgent does not collect business accounts receivable, only consumer debt.
By the Business Debt Adjusters research desk. Reviewed October 21, 2026, with contact and company details rechecked November 11, 2026. Sources for the ratings, complaint figures, regulator records and filings cited on this page are linked inline and listed below. If you can show us a record that contradicts anything here, call (877) 817-0404 and we will correct it.
This page summarizes what the public record shows as of October 21, 2026. The rating, accreditation, dates, business description and BBB complaint counts were read directly from Resurgent's Better Business Bureau profile and complaints page. CFPB figures were queried from the CFPB's public complaint database on the same day. The regulator record is the 2012 Maryland settlement agreement itself. Licensing details come from Resurgent's own website.
Who is Resurgent Capital Services?
Legal name:
Resurgent Capital Services L.P., a limited partnership that started business on 6/24/1998.
What it does:
Its website calls it a debt collector, and its BBB profile describes it as a manager and servicer of consumer debt portfolios for credit grantors and debt buyers. It is not a lender, and in most files it does not own the account it is collecting.
Who it works for:
Mainly LVNV Funding LLC, whose website says it outsources the management of its accounts to Resurgent. The 2012 Maryland settlement placed both companies in a family of companies under Sherman Financial Group LLC.
Where it is based:
55 Beattie Pl Ste 110, Greenville, South Carolina 29601, per the BBB. Its website also lists a Cincinnati location.
What it collects:
Charged-off consumer debt. Its BBB profile says it does not collect business accounts receivable.
How it contacts you:
By letter, with P.O. Box 10497, Greenville, SC 29603 as its mailing address; by phone, with 1-888-665-0374 as the number its website gives for questions and payments; through its My Resurgent online portal; or through an outside collection agency or law firm it calls a partner.
Memberships it lists:
ACA International, the Greenville Chamber of Commerce, RMA Certified Professional Receivables Company status and NMLS ID 2301.
What Resurgent is, and how it differs from LVNV
Three kinds of company can be involved in one collection account, and readers mix them up all the time:
The owner.
A debt buyer such as LVNV Funding LLC buys the charged-off account. LVNV's website says it "outsources the management of its portfolio of accounts to a company called Resurgent Capital Services" and tells consumers to direct all inquiries to Resurgent.
The servicer.
Resurgent manages the account for the owner. The 2012 Maryland settlement describes Resurgent as a licensed collection agency "that services the consumer claims owned by LVNV and other business entities." The same document says both are part of a family of companies under Sherman Financial Group LLC. That description dates from 2012.
The outside collector or law firm.
Resurgent's website refers to its "partners," and LVNV's website says Resurgent may ask a collection agency partner to reach you. That is why a letter about an LVNV account can arrive from a company you have never heard of.
Similar names you may see: the BBB has a second, non-accredited listing for "Resurgent Capital Service" at a PO Box in Livonia, Michigan, which links back to the Greenville headquarters profile. The headquarters profile also states that Resurgent Holdings, LLC purchased Pinnacle Credit Services and that Resurgent handles Pinnacle's complaints. A business called Resurgence in a court caption or search result is not the same company. Resurgent's mailing address on its website is P.O. Box 10497, Greenville, South Carolina 29603.
What the record shows
Legal name:
Resurgent Capital Services LP (its website footer uses Resurgent Capital Services L.P.).
Type of business:
Debt servicer and collection agency for consumer debt. It is not a lender.
BBB rating:
A plus.
Accreditation:
BBB accredited since 9/8/2017.
BBB complaints:
383 in the last three years, 113 of them in the last 12 months.
Customer reviews on BBB:
684.
BBB file opened:
4/27/2000.
Business started:
6/24/1998.
Type of entity:
Limited partnership.
Location on the BBB profile:
55 Beattie Pl Ste 110, Greenville, South Carolina 29601.
Licensing shown on its website:
NMLS ID 2301, New York City Department of Consumer and Worker Protection license 1204239-DCA, Nevada collection agency license CAD11856, California license 10888-00, among others.
Stated scope:
"Resurgent Capital Services does not collect on business accounts receivable only on consumer debt," per the BBB profile.
Why it matters to a business owner
We found nothing showing that Resurgent services merchant cash advances or business loans, and its BBB profile says it does not collect business receivables. Our reading: if Resurgent is contacting you, it is almost certainly about a personal consumer account, such as a credit card or a store card. That can still matter to a business owner. Many of the owners we speak with ran business expenses through personal cards while revenue was falling, and those cards end up sold and serviced at the same time the business debt is in trouble. The consumer side has its own federal validation process, described below, so it is worth handling each debt under its own rules.
Just heard from Resurgent Capital Services? What to do first
A first letter or call from Resurgent Capital Services usually means a debt buyer such as LVNV Funding owns a charged-off consumer account in your name and has handed it to Resurgent to manage. Before you pay, promise anything or set it aside, work through these checks in order.
1. Confirm the contact is really Resurgent. Use only the contact details on Resurgent's own website: 1-888-665-0374 and P.O. Box 10497, Greenville, SC 29603. Do not call back a number from a voicemail or text that you cannot match to those. Resurgent's website asks people to report anyone who claims to be from Resurgent or one of its partners and seems wrong.
2. Find out what the account is. Ask in writing who owns it now, who the original creditor was, the original account number and the balance at charge-off. For a business owner, the key question is whether this is a personal card or loan, even one you used for business costs. Resurgent's BBB profile says it collects consumer debt only, so a Resurgent account is almost never the company's own loan or a merchant cash advance.
3. Check your dates. Write down the date of your last payment. Every state sets a time limit for suing on a debt, and it varies by state and by type of account. An old debt can still be collected, but a lawsuit on it may face a time-limit defense. In some states a new payment or a written promise to pay can restart that clock, so check before you send money on an old account.
4. Dispute in writing if anything is wrong. If you do not recognize the debt, the balance is off or it was already paid, send a written dispute within 30 days of the validation notice and keep proof of mailing. Collection of the disputed amount must stop until verification is mailed to you.
5. If the debt is yours, decide how to resolve it. Resurgent's website says it offers payment plans and possible discounts, with payments by phone, on a guest payment page or through the My Resurgent portal. Get any settlement in writing before paying, and keep the confirmation.
6. Watch for court papers. A lawsuit over an account Resurgent services is usually filed in the owner's name, such as LVNV Funding, by an outside law firm. A summons has its own deadline, and missing it lets the owner ask for a default judgment.
The bigger risk for an owner is timing. A personal card in collection often lands in the same months as a falling business account, missed merchant cash advance debits or a loan you personally guaranteed. Handle each debt under its own rules, and do not drain the business account to quiet a personal collector before you know where you stand on the business debt.
What the complaints say
Everything in this section is what complaints report. It has not been verified by the BBB, the CFPB or us.
BBB complaints
Of the 383 BBB complaints, 371 are classified as billing issues. The four complaints displayed on the public page cover a missing credit and a disputed check endorsement (marked resolved after the consumer accepted a revised balance), two complaints from people contacted about accounts they said were not theirs, and a credit reporting dispute over an LVNV account. In one of the wrong-person complaints, from November 2023, Resurgent's compliance response stated that the consumer was not the responsible party and should not be contacted again. In the credit reporting complaint, Resurgent's response said LVNV owns the account and Resurgent services it, and asked for proof of identity or a police report if the consumer believed the account was fraudulent.
CFPB complaints
The CFPB's public database lists the company as Resurgent Capital Services L.P. Our query on October 21, 2026 returned:
- 73,700 complaints in total, the earliest received in May 2012;
- 56,871 received since October 21, 2023, and 24,390 since October 21, 2025;
- yearly totals that rose from 1,862 in 2020 to 5,130 in 2023, 13,171 in 2024 and 23,741 in 2025.
Over the last three years, 41,423 of those complaints were about debt collection and 14,480 about credit reporting. The most common issues were "Attempts to collect debt not owed" (16,034), "False statements or representation" (8,600), "Written notification about debt" (7,658) and "Incorrect information on your report" (7,332). The company's response was recorded as "Closed with explanation" in 42,375 cases and "Closed with non-monetary relief" in 14,465. Texas had the most complaints of any state, with 7,760.
Our reading: the CFPB does not verify complaints, and the database does not explain why the yearly numbers grew so fast, so the growth alone tells you little about Resurgent's conduct. The issue breakdown is more useful. The leading complaint is that the debt is not owed, which matches the BBB pattern. If that is your situation, the steps below are the ones that count.
The Maryland record
On October 25, 2011 the Maryland State Collection Agency Licensing Board issued a summary order to cease and desist and suspended the collection agency licenses of Resurgent, LVNV and certain affiliates. It said it had found reasonable grounds to believe they had engaged in unlicensed collection activity and violations of Maryland and federal debt collection law. An interim agreement on November 17, 2011 let the companies resume certain collection activity. The final settlement in June 2012 (case CFR-FY2012-012) required a $1,000,000 penalty and $23,567 in administrative expenses. It also required dismissal without prejudice of 3,564 pending Maryland District Court cases claiming $7,770,564.98, credits of $3,609,367.74 to 5,793 consumers with judgments and $235,824.72 to 453 consumers who had settled, and credit report corrections. The companies did not admit the alleged violations and expressly denied any liability or wrongdoing.
Our searches today did not turn up a federal enforcement action by the CFPB or the FTC against Resurgent. That is not proof that none exists. If you know of one, tell us and we will add it.
The court record
Resurgent is a frequent defendant in federal consumer cases. Docket listings on CourtListener show suits filed against it in the last two months alone, including Blackwell v. Resurgent Capital Services, L.P. (N.D. Cal., filed October 19, 2026), Cappiello v. Resurgent Capital Services LP (D. Minn., filed October 14, 2026), Perryman v. Resurgent Capital Services L.P. (C.D. Cal., a Telephone Consumer Protection Act case filed October 9, 2026), O'Bryon v. Resurgent Capital Services, LP (E.D. Pa., a Fair Debt Collection Practices Act case filed September 24, 2026) and Patterson v. Resurgent Capital Services LP (D.S.C., filed September 15, 2026). These are filings, not outcomes.
One Texas complaint illustrates the kind of claim made. In Rayford v. LVNV Funding, LLC, Resurgent Capital Services, LP, and Unifin, Inc. (N.D. Tex., No. 5:26-cv-00124, filed June 15, 2026), the plaintiff alleges that Resurgent, on behalf of LVNV, sent her a letter dated October 31, 2023 directly, even though her lawyers had already notified the original creditor that she was represented. She alleges Resurgent acknowledged later representation letters and that the account was then placed with outside collectors. These are allegations under the FDCPA and the Texas Finance Code, not findings. We found no ruling on them.
If Resurgent is contacting you
This is general information, not legal advice.
Identify the owner and the original creditor.
Resurgent services accounts for owners. Ask which company owns the account and who the original creditor was.
Dispute in writing within 30 days if you dispute it.
Under 15 U.S.C. 1692g, if you notify a debt collector in writing within thirty days of receiving the validation notice that you dispute the debt, the collector must stop collecting the disputed amount until it obtains verification or a copy of a judgment and mails it to you.
If it is not your account, say so plainly.
The BBB record shows Resurgent confirming in writing, in at least one case, that a consumer was not the responsible party. Keep that kind of letter.
If you have a lawyer, tell Resurgent in writing.
Send a copy to the owner as well, and keep proof of delivery.
If you are sued, answer by the deadline on the citation.
The suit will usually be filed in the owner's name, such as LVNV. See our LVNV Funding page for the Texas deadlines.
Frequently asked questions
Who is Resurgent Capital Services?
Resurgent Capital Services L.P. is a debt servicer and licensed collection agency based in Greenville, South Carolina, in business since 1998. It manages charged-off consumer accounts for credit grantors and debt buyers, mainly LVNV Funding LLC. It is not a lender and usually does not own the account it is collecting. Its BBB profile says it collects consumer debt only.
Is Resurgent Capital Services a legitimate company?
Yes. Resurgent Capital Services LP is a limited partnership in Greenville, South Carolina with a BBB file opened in 2000, an A plus rating and accreditation since 9/8/2017. Its website lists licenses including NMLS ID 2301 and a New York City collection license. A real company can still contact you about a debt you do not owe, so verify the account itself.
Why is Resurgent contacting me about LVNV Funding?
LVNV Funding owns the account and Resurgent services it. LVNV's website says it outsources the management of its accounts to Resurgent and tells consumers to direct all inquiries there. The 2012 Maryland settlement placed both companies in one family under Sherman Financial Group. A letter about the same account can also come from an outside agency or law firm.
What is the phone number for Resurgent Capital Services?
Resurgent's website gives 1-888-665-0374 for questions and payments, and P.O. Box 10497, Greenville, SC 29603 as its mailing address. Its BBB profile lists the office at 55 Beattie Pl Ste 110, Greenville, SC 29601. Use those details rather than a number left in a voicemail or text, and send any dispute in writing with proof of mailing.
How many complaints does Resurgent have?
The BBB shows 383 complaints in three years, 113 of them in the last 12 months. The CFPB database lists 56,871 complaints received in the three years to October 21, 2026, most about debt collection and credit reporting. Neither body verifies complaints.
Does Resurgent collect business debt or merchant cash advances?
Its BBB profile states that it does not collect business accounts receivable, only consumer debt. We found no source showing it services merchant cash advances or business loans. For a business owner, a Resurgent letter is almost always about a personal card or loan, even one used for business costs, while the business debt runs on its own contract.
Can Resurgent Capital Services sue me?
Lawsuits over accounts Resurgent services are usually filed in the owner's name, such as LVNV Funding, by an outside law firm. In the 2012 Maryland settlement the companies agreed to dismiss 3,564 pending Maryland District Court cases. If you are served, answer by the deadline on the summons, or the owner can ask the court for a default judgment.
Will Resurgent Capital Services settle for less?
Resurgent's website says it offers flexible payment plans and possible discounts on accounts in collection, payable by phone, online or through its My Resurgent portal. Before paying, confirm the debt is yours and the balance is right. Then get the amount, the schedule and a statement that it resolves the account in writing, and keep the payment confirmation.
Has Resurgent been fined?
In a June 2012 settlement with the Maryland State Collection Agency Licensing Board, Resurgent and LVNV agreed to pay a $1,000,000 penalty, dismiss 3,564 pending Maryland cases and credit thousands of consumer accounts, while denying liability. Our searches found no federal enforcement action by the CFPB or the FTC against Resurgent.
Is Resurgent the same as Resurgence or Pinnacle Credit Services?
Resurgence is an unrelated name. Pinnacle Credit Services is a different company, but Resurgent's BBB profile states that Resurgent Holdings, LLC purchased it and that Resurgent handles its complaints. The BBB also keeps a separate, non-accredited listing for Resurgent Capital Service at a PO Box in Livonia, Michigan, which links back to the Greenville headquarters profile.
If the payments are the problem
A Resurgent letter is about a personal consumer account. If it has landed at the same time as merchant cash advance debits or a business loan you personally guaranteed, the risk is treating them all the same way. The consumer account has a federal validation process. The business debt runs on the contract you signed, with its own personal guaranty, forum clause and reconciliation terms. Business Debt Adjusters works on the business side: we review the agreements, the payment history and the bank activity together and tell you plainly whether a settlement is realistic before any lender is contacted. Book a free consultation and bring the business paperwork with you.
Sources
- Resurgent Capital Services LP, BBB Business Profile, Better Business Bureau. Rating, accreditation date, file and start dates, entity type, business description, consumer-debt statement, Pinnacle note, read October 21, 2026.
- Resurgent Capital Services LP, BBB Complaints, Better Business Bureau. Complaint counts, categories and displayed complaints, read October 21, 2026.
- BBB search results for Resurgent Capital Services, Better Business Bureau. Greenville and Livonia listings, read October 21, 2026.
- Consumer Complaint Database, Resurgent Capital Services L.P., Consumer Financial Protection Bureau. Totals, yearly counts, products, issues, company responses and states, queried October 21, 2026.
- Resurgent Capital Services website, home page, debt collection page and licenses page. Mailing address, NMLS ID, license numbers, read October 21, 2026; phone number, Cincinnati location, memberships, payment options and My Resurgent portal reread November 11, 2026.
- LVNV Funding website. Statement that LVNV outsources portfolio management to Resurgent, read October 21, 2026.
- In the Matter of LVNV Funding LLC and Resurgent Capital Services Limited Partnership, Settlement Agreement, CFR-FY2012-012, Maryland State Collection Agency Licensing Board, June 2012 (text read from the National Consumer Law Center copy), listed on the Maryland Office of Financial Regulation 2012 enforcement actions page.
- Rayford v. LVNV Funding, LLC, No. 5:26-cv-00124, U.S. District Court, Northern District of Texas, docket listing. The complaint filed June 15, 2026 was read for the allegations summarized above.
- Blackwell v. Resurgent Capital Services, L.P., No. 4:26-cv-12136, U.S. District Court, Northern District of California, docket listing, filed October 19, 2026.
- Cappiello v. Resurgent Capital Services LP, No. 0:26-cv-04487, U.S. District Court, District of Minnesota, docket listing, filed October 14, 2026.
- Perryman v. Resurgent Capital Services L.P., No. 5:26-cv-05986, U.S. District Court, Central District of California, docket listing, filed October 9, 2026.
- O'Bryon v. Resurgent Capital Services, LP, No. 5:26-cv-07365, U.S. District Court, Eastern District of Pennsylvania, docket listing, filed September 24, 2026.
- Patterson v. Resurgent Capital Services LP, No. 6:26-cv-04060, U.S. District Court, District of South Carolina, docket listing, filed September 15, 2026.
- 15 U.S.C. 1692g, Validation of debts, Legal Information Institute, Cornell Law School.
