Consumer complaint received 2021-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
ATTN : This is a separate compliant for PORTFOLIO RECOVERY ASSOCIATES. 
Currently in litigation with this corporation. The action taken was not required without proper notice. 

I XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan. I am inserting my right to claims against PORTFOLIO RECOVERY ASSOCIATED pursuant XXXX XXXX who claims to be the holder of the contract. I am being sued by Portfolio Recovery XXXX ( XXXX ) who is a debt buyer who has brought a disputed debt connected to my all-caps name for pennies on the dollar and is making illegal attempts to collect the full amount of the debt through coercion. 

XXXX did not accurately provide me with any verifying documents confirming if the debt belongs to me. They have never issued a signed contract which is being sued upon because there was never a contract or agreement with their corporation. XXXX has verified the debt by providing deceptive billing statements that reflects a billing error pursuant to 12CFR 1026.13. The billing statements reflects an error because it doesnt show that Im receiving as the consumer the amount due, nor does it reflect that I am being credited for that amount. 

XXXX is furnishing false documentation creating a false belief that the original creditor is participating in the connection to collect a debt not owe. XXXX has taken legal action against me after I disputed the debt with their corporation multiple times. XXXX continues to harass me by using abusive tactics by making false claims against me; claiming the alleged debt is mine pursuant to 15U.SCode 1692e this is false and misleading and violates my consumer rights under the FDCPA. Any form of communication from an attorney in connection to collect on a disputed debt is a direct violation of the law. All communication in connection to this debt is coming from their attorney who is representing XXXX. 

Prior to the litigation proceedings with XXXX I have requested that all communication regrading this alleged debt be ceased and noted. Due to the fact XXXX has called me multiple times a day between the hours of XXXX without my consent in attempts to harass and annoy me about a debt I do not owe pursuant to 15U.S.Code 1692k ( 5 ) a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the debt ; causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 

The billing statements they provided addresses me in my all-caps name and not me as the natural person, or consumer of the account. The account number on the billing statements are also redacted therefore making claims that the alleged debt is mine is without any reasonable means is extortion pursuant to 18U.S.Code1961. In accordance with 18U.S.Code 8 states all debt obligations and securities are owed to the United States XXXX XXXX has taken adverse action against me in efforts to collect a debt which holds them civilly liable pursuant to 15U.S.Code1640 with fee up to {$5000.00}

Company response to consumer: Closed with explanation