Consumer complaint received 2016-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Tuesday, XXXX XXXX, XXXX XXXX XXXX Portfolio Recovery Chief Compliance Officer XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX : I have been retained by XXXX XXXX. XXXX XXXX has been contacted repeatedly by Portfolio Recovery Associates , LLC the last date being XXXX/XXXX/XXXX from ( XXXX ) at XXXX eastern time regarding an alleged debt my client owes to XXXX which is the retailer of clothing and other items. Your collections or claims representatives have been informed to cease contact and all communications with my client as of XXXX/XXXX/XXXX. Again a call was placed from XXXX of your claims representatives on XXXX/XXXX/XXXX at XXXX from a female representative with a heavy accent at ( XXXX ) XXXX, stating she was calling from XXXX, I informed her I could not understand some of the things she was saying and she abruptly hung up. Again at XXXX Eastern time, I received a call on my clients phone from the XXXX, from XXXX who stated he was calling from " XXXX XXXX XXXX ''. In informed him that I had been retained as counsel for XXXX XXXX and asked what he wanted, he stated he wanted to speak to my client, I stated I am her lawyer, he asked do I take care of her personal business, I said yes, I am her lawyer. I asked for the direct address to the legal department and XXXX XXXX hung up abruptly. If your representatives are stating they are calling from a " XXXX XXXX XXXX '' and not Portfolio Recovery Associates this is possibly defraud and deception and may be against the Fair Debt Collection Act. 

The account # is XXXX. This account has been closed for quite some time. Today, on a XXXX call from phone number ( XXXX ), my client informed your representative that she does not owe this debt due to the XXXX Statue of limitations. The Portfolia Recovery representative stated that the last date of activity on the account was in XX/XX/XXXX. 

I am asserting that you cease and desist all communications and contact with XXXX XXXX, by email, phone, mail or any other type of communications. My client does not owe the alleged debt as the XXXX Statue of limitations, specifically XXXX 600.5807 ( 8 ) which states " The period of limitations is 6 years for all other actions to recover damages or sums due to breach of contract. '' This statue includes breach of contract and open account action for alleged default of a credit card agreement. 

Henceforth, I request that you cease and desist all communications with my client. Any type of communications from here on out by mail, phone, email or other will be documented and considered harassment. I will also forward this letter to the XXXX Attorney General, Federal Trade Commission and other agency to deal with this activity. The supposed last activity on the account was in XX/XX/XXXX more than 15 years ago. According to the accurate XXXX Statues and other laws, my client has no legal obligation to this debt and will not pay this debt. 

This company for years has tried to collect a debt for which i am not legally obligated. This company has called from various numbers and misrepresented that they were XXXX when asked who they are which is fraudulant, deceptive, and just wrong. 

There is no reason for this company to contact me because I do not have a legal obligation for the debt and have told them several times I do not owe the debt and I am not going to pay the debt.

Company response to consumer: Closed with non-monetary relief