Consumer complaint received 2021-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received my first statement from Portfolio Recovery Associates, LLC dated XX/XX/XXXX, stating that I owed {$290.00} in regards to an outstanding account after I made two purchases at XXXX XXXX in XXXX. Upon further review of all my records, this is what I was able to deduce : 1. I never received any statement ( s ) from XXXX XXXX at my address after these last two purchases were made and now i know why. Portfolio Recovery sent me a copy of an XXXX XXXX statement with a due date of XX/XX/XXXX which i had never received as it was sent to the wrong address ( XXXX instead of XXXX on my street ). 
2. From Portfolio Recovery, i also received a copy of a letter dated XX/XX/XXXX stating that XXXX XXXX  had sold the account to Portfolio Recovery. This letter was mailed to the wrong address ( XXXX instead of XXXX on my street ), and i never received it either.

3. Portfolio Recovery must have researched as i received their first statement dated XX/XX/XXXX to my correct address. 
As notes on my account specify, immediately after I read their letter, I had a few phone interactions with Portfolio Recovery regarding this outstanding account and attempted to sort out what had happened. As such, the account ended up in a status of being disputed as specified on their second statement dated XX/XX/XXXX. 
After researching my past bank statements and resolving the fact that I do have two XXXX  XXXX Visa cards ( one of which I never activated ), I do acknowledge that I did make two purchases at XXXX XXXX in XXXX for the total amount of {$88.00}. On XX/XX/XXXX for {$3.00} and XX/XX/XXXX for {$84.00}. Not having received any statements from XXXX XXXX and not having received any collection letters from XXXX XXXX, I was unaware that these two purchases were left unpaid. After receiving two Portfolio Recovery statements and various dispute resolution phone calls, I sent a check ( # XXXX ) dated ( XX/XX/XXXX ) for {$88.00} ( the amount of both original purchases ) to Portfolio Recovery in anticipation of resolving this matter quickly. As I never received any XXXX  XXXX statements and as I never received any collections letters until this one, I did not include any of the {$200.00} in accrued interest ( which is still outstanding and I am disputing ). 
I contacted the XXXX XXXX XXXX XXXX  in my city, XXXX NM and they advised me to contact you to register a complaint. They also suggested that I get my credit report to see if Portfolio Recovery had posted any adverse information. They have. Until this adverse report from them I have never received a bad credit score in my life. There is literally 32 pages of positive credit reports and the one from Portfolio Recovery ( which will remain for the next 7 years ). I feel this company was exploitive with me and over multiple phone calls made no attempt to compromise on the amount due. The interest due has thus accrued to a whopping {$200.00} which i believe to be unconscionable. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation