Consumer complaint received 2022-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have 3 accounts with Portfolio Recovery that are allegedly owned by Portfolio Recovery since XXXX. I submitted an electronic request for a Letter of Validation and Last Statement from Portfolio Recovery on XX/XX/XXXX, they sent me a 'Courtesy to Debtor ' letter for all 3 accounts, I didn't not receive The Last statement. When I called to inquire about my initial Electronic request, I was told by a rep that there are " issues '' with my account and she needed to speak to a manager. When I inquired what the 'issues ' were, she stated that she is not able to find what I am requesting. I requested to speak to the manager and she told " I am a XXXX XXXX XXXX, there is no need to speak to a manager. Placed me on hold, and stated she would be sending me my requested documents, Then transferred me to the disputes department without allowing me to verify what she was sending me. 

When transferred to the dispute department, I requested to be electronically sent my requested documents. The rep then disclosed to me that they are not allowed to send items electronically, however my initial request was sent electronically. I opted in for electronic disclosures, and now being told " they can not send them electronically ''. She stated she was submitting my request to dispute the debts. I requested again to speak to a manager and was place on hold for XXXXmins, from there I was being 'transferred for an additional XXXXmins. I keep getting transferred to different managers who are unable to issue me a Letter of Validation and Last statement. 

In addition to the 3 inquiring accounts that I did not receive an initial letter of validation, I received a new account for some medical bills, that was clearly a letter of Validation. Those accounts have been removed from Portfolio Recovery, since I took care of the debt with the original creditor. However, it is clear that Portfolio Recovery has changed their practices to now be in compliant with Federal regulations. 

Portfolio Recovery, can not verify a letter of Validation or last statement and is reporting the 3 accounts on my credit report. If there are " issues ' with my accounts, they can not provide me with the requested documents and their most recent Model disclosures are now in compliance with Regulation F and Fair Debt Collecting Practices Act, I am requesting these accounts be permanently removed from my Credit Report. The original 'attempt to collect a debt ' practice and disclosures were not within XXXX Regulations. For these reasons I am requesting the accounts be permanently removed from my credit report and the accounts closed, due to the lack of consumer verification documentation that is required in regards to FDCPA. It is clear that Portfolio Recovery, can not verify these accounts, and is 'passing the buck '. This is causing serious harm to my Credit. I am doing my due diligence to settle this manner, however if Portfolio Recovery can not provide me with the required documentation, then why are they reporting they own these accounts, why are they furnishing negative information, Why am I not allowed to issued electronic notices, when I clearly opted in online. Why does it take nearly 2 hours to get in contact with a manager who able to answer my questions. They are being deceitful in their debt collection practices and it is clearly cause due harm to me as a consumer. These are clear UDAAP violations.

Company response to consumer: Closed with explanation