Consumer complaint received 2021-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please see CFPB complaint # XXXX and current CFPB complaint # XXXX. As I have previously asserted I do not owe Portfolio Recovery Associates any unpaid debt due to XXXX XXXX BREACH OF CONTRACT/AGREEMENT. Portfolio Recovery Associates recently mailed me a letter which they claimed debt validity ; however, their letter dated XX/XX/XXXX and the attached XXXX XXXX billing statement just affirm and solidified why I do not owe PRA any unpaid debt as a result of XXXX  XXXX BREACH OF CONTRACT/AGREEMENT and that original CFPB complaint which was prematurely closed is true. As I have stated all along, the original XXXX  XXXX billing statement for the billing cycle of XX/XX/XXXX thru XX/XX/XXXX shows an outstand balance of {$760.00} and when we subtract my payment to XXXX  XXXX of {$48.00} dollars as previously arranged with XXXX  XXXX which they offered me as a means to bring my account into good standing and to avoid my XXXX XXXX credit card account from being charged off, we are left with a balance of {$710.00}. PRA has reported to the Credit Bureaus that the original balance as " {$710.00} '' as you can see by my attachment during a recent credit dispute I filed with XXXX, Portfolio Recovery Associates were fully aware for the " INCORRECT '' and the alleged debt amount which was presented to them during the before and after dispute results. The previously owed balance to XXXX  XXXX prior deletion and what PRA included in a recently letter is {$760.00} minus the " {$48.00} dollars '' paid to XXXX  XXXX in order to avoid Charge off of account ending in XXXX ( Please find attached the XXXX  XXXX repayment offer/agreement along with my XXXX XXXX XXXX XXXX statement as proof of the breach of contract ) which explains why the this account was deleted as part of a previous dispute with XXXX XXXX. This account should have never been sold to Portfolio Recovery Associates since legally is it not a collectible debt due to BREACH OF CONTRACT/AGREEMENT. There was and still is only one solution as remedy for this error and that is full and complete DELETION. Furthermore, and as everyone can see, the previous debt amount is all over the place, {$760.00} which Portfolio Recovery Associates recently attached to their validation letter, {$710.00} which Portfolio Recovery Associates has always maintained and pursued and {$710.00} which was the previous debt amount until it was deleted from my credit file/report as a result of credit/debt disputes due to breach of contract by XXXX  XXXX. Fact is, I can not owe a debt if a debt was previously deleted due to the original creditor failure to stand behind their agreement. No court would every uphold any claim by PRA or any third party debt collection agency where a breach of contract was made. It is a direct violation of state and federal contract law and a violation of consumer protection laws. and regulations. Unfortunately, PRA will find no remedy by pursuing a debt which I do not owe to them or anyone else but must pursue relief with XXXX XXXX for whom they purchased the illegal debt. For me, it is not about the money but rather the principal and the adverse negative impact this un-owed debt has cost me in credit rating. I would be more than happy to pursue a remedy using the legal system including court if CFPB and/or Portfolio Recovery Associates can not find a fair solution based on all of the evidence I have provided which supports position. I am not afraid to use the legal system to seek relief given CFPB lack of desire to apply the law and properly investigate my claim/complaint " AND NOT SIMPLY CLOSE MY COMPLAIN '' upon receiving any response for PRA. I have the original email agreement from XXXX XXXX and bank statements which shows that I made the required minimum payment of {$48.00} dollars to XXXX XXXX ( {$760.00} - {$48.00} = {$710.00} ) to avoid the account from being charged off. A payment of {$48.00} was made before XX/XX/XXXX but posted to my XXXX XXXX XXXX XXXX account on XX/XX/XXXX and as previously attached DISPUTE results which indicated a FULL DELETION as a result thereafter was warranted. And finally, as I have stated previously, I welcome PRA to take me to court so that I can have this un-owed debt fully discharged. Because I have no intentions of paying a debt I do not owe which was previously DELETED from my credit report as a result of a dispute with XXXX  XXXX. Portfolio Recovery Associate recently stated in their response to a previously closed CFPB complaint that they found on evidence of a deletion although I'd attached the dispute result and subsequential DELETION in a previous CFPB complaint. This shows a blatant disregard of evidence by CFPB and a their lack of desire to protect, " ME '' the consumer whose right are being violated. For the last time, I am requesting that CFPB fully investigate my claim and pursue these violation of law as it pertains to consumer protection against unlawful pursuit of un-owed debt. My next option is to seek legal remedy against BOTH CFPB or Consumer Financial Protection Bureau for ignoring my rights under the law by not properly investigating my complaint and Portfolio Recovery Associates for continuously pursuing a debt not owe to them based on the original breach of contract by the original creditor XXXX XXXX and ignoring the previous DELETION of debt by XXXX XXXX which was previously verified.

Company response to consumer: Closed with explanation