Consumer complaint received 2018-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX XXXX XXXX  has attempted to collect a debt that doesn't belong to me. One of the partners XXXX XXXX has continued to lie, make false statements, and representations. And lying to a 3rd party is a violation of the Illinois Rules of Professional Conduct. I am attaching proof of my statements and can back up 100 % of what I say and state. XXXX XXXX XXXX  is claiming I have 3 XXXX XXXX   accounts that have been assigned to them. They have failed to provide me a chain of title and authentic bill of sale with a specific reference. Which is a requirement for their client ( Portfolio Recovery Associates ). The 2015 consent order from the CFPB demands it.

Furthermore the Illinois Collection Agency Act states that they must provide me a signed contract, an assignment, and the consideration for the assignment. I have received none of these items after multiple attempts. I responded to their first letter within the first 30 days. And I have sent a total of 4 written letters to them.

XXXX XXXX keeps claiming she has sent me proof. Please attach the above items when you respond to this email XXXX. I have proof in my letters that I have received none of these items. I did receive a phony Bill of Sale. It was generic with the price ( whited out ) and no specific reference to me or the alleged accounts. I received terms to a contract, without the contract and without a signature. I have no idea what I am supposed to do with that. And they sent me a handful of photo copied statements. I asked for signed merchant receipts, or proof I used this card, or had knowledge of this card. They have provided me nothing. Portfolio Recovery states in their letter they will provide a chain of title if asked. I have asked, and I haven't received one. XXXX also states that her firm has never threatened me with a Judgement. I will include the letters the prove my claims.

She keeps asking me to fill out a identity theft affidavit. I would be more than happy to, if I knew for sure that was the case. I think they have the wrong person or its an error on their part. If it was 100 % identity theft, XXXX XXXX would be listing these accounts on my credit report. That is not the case. And XXXX XXXX has a policy of 2 cards per consumer for directly issued credit cards thru them. XXXX XXXX XXXX  is claiming 3. Which is impossible. I have stated this multiple times. Until I am provided the above documentation. I would have no idea whether this is identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error.

If I am provided with proof Portfolio recovery owns this debt and proof this debt is mine. I would be happy to fill out any paper work necessary.

XXXX XXXX XXXX has turned my world upside down and harassed me for 3 months. They have threatened a Judgement against me, and I have asked that they move forward with it. So I can settle this matter in court and move on with my life.

Now they are claiming that the accounts are on hold and they are investigating them. They had 30 days to investigate the accounts. Its been 3 months. Even if they delete this account and verify that my claims are correct. I will still be taking them to federal court. XXXX it would be best if you start telling the truth from here on out. If you or XXXX XXXX have any questions. Do not hesitate to call. I will be seeing both of you soon.

I am moving forward regardless of what you decide to do. I wrote to your company multiple times as a Gentleman, without posting negatives reviews, or reporting you to any agencies. When you refused to investigate, I had to report you. I have exhausted all avenues now, and this letter today is just a formality and the only option left is court. I have tried to resolve this multiple times and have given you proof of my claims.

Kind regards, XXXX XXXX  p.s. The signature on one of the forms I am attaching is not my official signature. I just initialed, so no one can forge my signature on any documents. Also XXXX XXXX XXXX and Portfolio have nothing with my signature on it. If they did, they would have provided it already, and they would not have put the accounts on hold.