Consumer complaint received 2016-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I am writing to report Portfolio Associates for harassment and making threatening statements. 

On XXXX XXXX, XXXX, I received a call on my home phone but did not recognize the number. I called back and found it was Portfolio Associates calling about a debt which is more than 12 years old. The debt was disputed but never resolved and since has been expunged from my credit history. I explained to the representative ( I believe her name was XXXX ) I was not going to pay the debt and instructed her to place a " do not call '' on my account. XXXX stated she would do that. Since that time, I have continued to receive several calls a week. Many of them placed twice on the same day. I have a record in my caller ID log. 

On XXXX XXXX, XXXX, I sent a registered letter to XXXX XXXX, Human Resources Director. I told XXXX XXXX I did not want any further communication from Portfolio Associates ( mail or telephone ). The letter was delivered on XXXX/XXXX/XXXX. I have delivery verification. 

After the letter was received, several more calls have been placed to me. What they are doing is phoning under an ID which does not specify Portfolio Recovery. I do not answer the phone then call them back and it is Recovery Portfolio. On XXXX XXXX, XXXX, at XXXX XXXX the ID listed XXXX XXXX XXXX at XXXX XXXX XXXX. I spoke to a representative. I told her I was not to receive any more calls and she tried to argue with me but I hung up. On XXXX XXXX, XXXX at XXXX XXXX the ID listed the caller as XXXX at XXXX XXXX XXXX. I called back and could not understand the representative 's name. I told her I have written a letter stating I am not to be contacted in any way, shape or form. The representative looked up my account and stated there were not any notes on it saying to not call me. I explained I do not owe the debt and the representative asked if I had paid the debt with XXXX XXXX to which I replied it was irrelevant. I told the representative I filed a complaint with the FCC and what they are doing is considered harassment. She stated she would send a notice to the dispute department. 

On XXXX XXXX, XXXX, I received a call from XXXX, XXXX at XXXX XXXX : XXXX XXXX XXXX. The representative identified himself as being from Portfolio Recovery. He stated he is trying to collect an old debt and read a disclaimer stating I can be sued in court. I told him this is the 4th time I have stated I do not want any calls. Further I explained I sent a registered letter which was received. The representative stated it is not in the system. This is precisely what the representative on XXXX XXXX stated. The letter was written on XXXX/XXXX/XXXX and received on XXXX/XXXX/XXXX. 

I wish to file a formal complaint against Portfolio Recovery for harassment and threatening to sue me for a disputed debt more than 12 years old which I do not owe. I am unfamiliar with this process and would appreciate notice of how I am to proceed. 

Thank you for your time with this. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief