Consumer complaint received 2023-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Portfolio Recovery Associates , LLC Follow up to your response dated XX/XX/XXXX I never open an account with XXXX, therefore I dont own any debt, to XXXX XXXX XXXX or to you Portfolio Recovery Associates , LLC XXXX On your response dated XX/XX/XXXX You Claim Because we purchased the account and contract XXXX XXXX XXXX had with XXXX Why have you not produce an Original contract copy with signature, that you claim you have Via Consumer Financial Protection Bureau on timely manner. 
Once again I never had any business relation with XXXX or XXXX. 
I have nothing to do with your office as well. 
There is not validation of account, ending in XXXX, with your office and you are nobody to validate an account for the reason that records of account ending in XXXX not mines. 
In return your office continues molesting me and affecting me by all means possible Send me a cancellation letter for account ending in XXXX at the receipt of this notice and send me the cancellation letter via Consumer Financial Protection Bureau Im forced me to file a Police Report Copy of your response dated XX/XX/XXXX XXXX XXXX Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint, reviewed our records, verified the PRA account ending in XXXX, and confirmed that we provided you with validation which resolved your dispute. PRA is a " Debt Buyer '' ; PRA purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from debtors who owe such debt. Business records provided to us by XXXX XXXX XXXX XXXX ( XXXX ) reflect that on or about XX/XX/XXXX, XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract to pay for the use of the account was formed when XXXX offered the credit card and the credit card account was used. A balance of {$9900.00} was due on the account when we purchased that account and its contract from XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. PRA sent its initial notification letter regarding this account to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. Because we purchased the account and contract XXXX XXXX XXXX had with XXXX to pay the balance due, no other contract or signed document bearing my signature between XXXX XXXX XXXX and PRA is required to validate the account. We have no record of a request or a dispute being received in relation to our initial notification letter. We subsequently received and investigated several disputes regarding the account. In response to the disputes, PRA sent you letters containing validating documentation from the original account. We believe that the validation provided resolved the disputes and that no further steps in response to your complaint or follow-up actions are required at this time

Company response to consumer: Closed with explanation