Consumer complaint received 2017-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is the third time i am trying to get a response as to who called me ... they represented themselves as XXXX, mediatator for them. XXXX said they sold this debt to XXXX XXXX. Then under XXXX request I ask for this to be investigated. They said you did not provide a phone number. so this case was closed. So here is entire first complaint with phone number so this can be investigated. : : : : : :received a call from a friend today stating that XXXX XXXX her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that XXXX were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to Portfolio rec assoc about a XXXX # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks. 

please call the phone number and find out who called me. as also per first complaint I attached a copy of correspondence sent to XXXX years ago asking for verification of debt which protfolio never responded to this. 
I understand that the debt goes on forever, but they misrepresented themselves as not portfolio assoc / but as a company that represented XXXX as a mitigation firm and would be sending lawsuit papers on monday. They called relatives and a friend.this is illegal as they can not reage a debt and try and collect in this manner. They never sent any papers. I want XXXX dollars because this is illegal. I want you to find out whose number that I called which stated all those things to me. They refused to give me any information just to expect papers that monday. the XXXX is again XXXX and was told to give them a number -- XXXX .... Please handle this appropriately as this is third time for same complaint ... 

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Company response to consumer: Closed with explanation