Consumer complaint received 2022-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received summons sometime in XX/XX/XXXX or the first part of XX/XX/XXXX I was served with a debt claim lawsuit from Portfolio Recovery. I responded to lawsuit on XXXX ; Motion to transfer filed XX/XX/XXXX ; I requested for Production of Document XX/XX/XXXX ; I sent documents by e-mail and by express mail on XXXX. My XXXX credit report showing Portfolio as the creditor. The Judgement amount is XXXX court cost is included in this total. 

I have informed them this is not my debt. I have not signed a contract with this company. The original debt is no longer listed on my credit report, which is from XXXX, it fell off in XXXX. I am unable to determine the truth in this dollar amount and the age of the debt or if the statute of limitation has expired. I dont know if the bill of sale is correct or even if it was sold to Portfolio . I dont know how to explain this in Court. Looking at the Asset Schedule, it doesnt look accurate, should there be a dollar amount in the Sale Amount column, it looks like it was taken out. With an interest rate so high how do you catch up? XXXX XXXX XXXX XXXX XXXX also sent me collection information ; letter dated XXXX ; how do I know which one is correct/truthful? 

I put in a request to have the case transferred to another court, the Judge denied the transfer and I attended court to discuss the reason for the transfer ; I thought I should attend court in my precinct. XXXX is such a large county it was explained to me that I was still in the XXXX County lines. I though the case was over. I recently received a court date for XX/XX/XXXX. I was unable to attend court due to medical reason. ( Temp of XXXX ; chills, sore throat and a slight headache ). The Judge rule in favor of Portfolio. I did call the court to let them know I could not make it that day. This is draining me mentally and my head is not in a good place. I should be in bed sleep, but I cant sleep due to a possible judgement being placed on my credit file. Where is my relief from XXXX, XXXX? 

Were my Consumer rights violated when Portfolio place this debt on my credit report once the original debt collector fell off my credit report. Can I sue them for all the heartache this has cause me? I dont have a large sum of money to pay this debt which I am not sure it belongs to me. I did not sign a contract with this Portfolio. I asked them to remove the debt from my credit report and they refused? How do I get this off my credit report? 

I requested information from Portfolio, they did not provide me with the proper documentation before trial. Apparently, they showed something in court, why didnt I receive those same documents before trial? What they sent me, look like something computer generated, and I can make up a form using XXXX. 

At the time this account fell behind to XXXX, the government shut down for about 30 days. I was also doing therapy due to back issues ; it is very difficult pay your bills and pay medical expense at the same time especially when you have fallen behind. to I have neglected my health to keep up with my payment. I informed XXXX I was having some financial issues and I wanted to use the debt protection Plan, it never happened.

Company response to consumer: Closed with explanation