Consumer complaint received 2023-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I contacted Portfolio Recovery Associates LLC Via-mail and requested the following in which they responded with just a few copies of the last billing statements that didn't add up to the Balance amount owed and copy of XXXX XXXX XXXX contract agreement with no signatures written or digital indicated on contract agreement, and a copy of the same bank Notification of Assignment, Sale or transfer of Credit Card Account that is deemed to be fraudulent. 

GENERAL DENIAL Pursuant to Tex. R. Civ. P. 92, and without waiving any other defenses, Defendant denies.

each and every allegation of Debt Collectors original debt claims, and demands strict proof thereof by a preponderance of the evidence as required by the Texas Rules of Civil Procedure. Furthermore, I denies the debt collectors allegation and request that all conditions precedent and all documents are validated and presented as I have requested ; Therefore Above debt collector should be denied recovery and the claim voided, furthermore until the conditions precedent below have provided to me in its entirety. 
XXXX. 
AFFIRMATIVE DEFENSES By way of further Validation, in the alternative if such be necessary, and without waiving any of the foregoing, I XXXX XXXX XXXX, XXXX asserts the following affirmative defenses : 1. Illegality in contract law 2. Debtor is not liable to Debt Collector for the debt claimed because Debtor is entitled to an offset.

3. contract is illegal, and therefore, unenforceable 4. Duress in Contract I therefore I demand that the debt collector provide me with the following Documents below for complete validation of the said debt : 1. Provide Name and address of original creditor along with verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. Please provide a copy of the written agreement that created my original requirement to pay.

2. A copy of the all-billing statements sent to me by the original creditor since the beginning of the credit card contract agreement.

3. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing all the dates and amount of each charge added to the total amount that created the full balance amount claimed due. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

4. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

5. Identify the date of the first and last payment made on this account.

Company response to consumer: Closed with explanation