Consumer complaint received 2023-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - I see PRA on my credit report and mail physical dispute letters to each of the credit bureaus. Each credit bureau removed this account due to lack of evidence. My letter entailed information detailing the following : Open Date Different across all 3 bureaus and did not match PRA Date Last Active Different across all 3 bureaus Account Type Different across all 3 bureaus Past Due Balance Different across all 3 bureaus : Payment Status Different across all 3 bureaus Date of Last Payment Different across all bureaus XX/XX/XXXX - I was served at my residence by Portfolio Recovery. 

XX/XX/XXXX - I go to court for this case. I am told I will go to mediation at a further date by the judge. 

XX/XX/XXXX - I went to meditation for this case which went to an impasse due to the attorneys rude demeanor towards me, which was recorded. During this time I attempted to show multiple documents that proved the lack of validation that was done on this debt. I was told to email the attorney on the case in reference to this case which I did the same day. 


XX/XX/XXXX - The Associate Attorney of Portfolio Recovery emails me back " please confirm you received the paperwork that was filed with the court and that should have been served to you. It shows account ending in XXXX through XXXX opened in XXXX with an outstanding balance of {$1900.00}. A payment was made on XX/XX/XXXX. 
If you have information that is different than what I stated above? Please let me know so I can look into it and see what we can get resolved. '' XXXX - I emailed back the Associate Attorney of Portfolio Recovery stating " I am confirming that I received the paperwork that was filed with the court which has the information you stated. What I am not confirming is its accuracy nor validity. I have done my due diligence to confirm that all of my official credit reports show different information than what you have listed in reference to this alleged account with Portfolio Recovery. The account opening dates, account number, balance and last payment dates are different not just from the paperwork provided by Portfolio Recovery but also across all XXXX major credit bureaus. '' In this same email I stated " I would like to express my right through the original credit card agreement from the supposed original creditor, XXXX XXXX, and File a Motion to Compel Arbitration. Per their agreement this arbitration is to happen through XXXX. I have attached a copy of their credit card agreement with the XXXX Clause for your convenience. '' XX/XX/XXXX - The Associate Attorney of Portfolio Recovery emailed me back " Can you please email me a copy of what you are seeing on your credit reports so we can see what you are referring to and the details associated with it, so we can review and investigate this matter? '' In response to this I provided XXXX attachments showing the inaccuracies with the account. 

XX/XX/XXXX - I email The Associate Attorney of Portfolio Recovery asking what the status is since is has been a week since our last correspondence. During this time I also expressed how upset I was that " Portfolio Recovery has had multiple opportunities to resolve this case via trial, credit disputes and letters requesting validation '' XX/XX/XXXX - The Associate Attorney of Portfolio Recovery emails me back " It is still in the process of being investigated on our end, which takes some time. Meanwhile, I have gotten information that you will be receiving a form by mail to complete and send back to us, affirming the information you have told us. It is a necessary part of the process of the full investigation, and you should be receiving it shortly, so please look out for that. The department handling this matter has also informed me that in addition, if you have a police report, FTC listing our account or other supporting documentation, you can forward that to us for our review as well. '' XX/XX/XXXX - I confirm via email that I yet to receive the document via mail but would like to know the case status. 

XX/XX/XXXX - The Associate Attorney of Portfolio emails me back stating they sent it around the XXXX and that the case is still under investigation. 

XX/XX/XXXX - I email Portfolio Recovery stating I received the document and would fill it out within the upcoming week. 

XXXX The Associate Attorney of Portfolio Recovery emails me back stating " There is a hold on the file for the investigation and I believe they are awaiting your paperwork in order to proceed further with it. Feel free to call ( XXXX ) XXXX and ask to speak to the Disputes Department to get more updated information. '' XX/XX/XXXX - I call the XXXX number and speak to multiple people and they have no record of any corespondance I have had with the Associate Attorney nor the documents I provided via email over a month ago. I ask them what I should do next and if getting the Consumer Finance involved is the correct option and they hung up. I have yet to receive a call back.

Company response to consumer: Closed with non-monetary relief