Consumer complaint received 2018-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Everyday since XX/XX/XXXX Portfolio Recovery continues to harass me. The originally contacted me back in XX/XX/XXXX about a credit card issue from a store card issued by XXXX XXXX. I had had issues with the card issuer as I closed all my cards that were with that bank. In the shuffle of paying off all 3 between XX/XX/XXXXand XX/XX/XXXX they didn't apply payments correctly, one was a settlement that i had to fight them to honor because they were still stating that money was owed and it wasn't, one card was paid in full per the terms and then the express credit card debt which Portfolio Bought is not the correct amount. when I was initially contacted I explained that the amount was Not the correct amount that I needed more information from them regarding this debt, when they purchased it, and to notify me in writing the gentleman that i informed of this was extremely rude, very threatening telling me that i had to make the payment now or i would end up in jail and was very vulgar with the language.. I never received anything from them and the calls stopped after I mailed the letter around XX/XX/XXXX. Then they started up again in XX/XX/XXXX, I spoke with a lady, and explained that i never received the information that I requested regarding the amount and validity of the debt, and she kept pressuring me to give her my account information so they could take the payment and be done with it. I had explained I was out on a medical from work at the time and they were having me file for XXXX. Then she started harassing me with well if i wasn't working how was I surviving ( food stamps and my company was still providing my medical coverage and i had family helping with my XXXX XXXX XXXX childrens medications and their child support was providing for their schooling and clothing and supplies ). She kept battering me on well i should have something to give them over the phone right there. Kind of hard when you have XXXX cents in your checking account and still waiting for XXXX. I informed her one more time that I was filing for XXXX, I had no funds and I never received the paperwork I had requested in XX/XX/XXXXregarding proof of the validity of the amount. Calls stopped up until XX/XX/XXXX. Since then they are calling everyday 4-20 times a day on my landline and my cell phone, as well as harassing family members and have even continually contacted my former employer even though i'm no longer there, and they are spoofing numbers. They are calling from over 40 different numbers and only 1 number will come up Portfolio recovery on the caller ID but they are using other companies like plumbers, medical labs, local numbers and when you call back your connected to the actual business and not Portfolio. This has to stop. I'm still waiting on XXXX, trying to make sure my kids have food and their medications as well as my medications and the anxiety of these constant phone calls because they aren't following the law is making me sicker. I see they have been reprimanded on a few occasions for the same tactics that they still are continuing to use.

Company response to consumer: Closed with explanation