Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to file a complaint against the debt buying/collection company Portfolio Recovery Associates , LLC ( " Portfolio '' ) due to concerns that I may become a victim of illegal or unethical conduct by this company based on their well-documented history of violations against consumers. Portfolio has an extensive record of alleged violations of consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), as well as state debt collection laws. They have been accused of fraudulent, deceptive and abusive practices including, but not limited to : Collecting or pursuing debts without a reasonable basis of validation Making false or misleading representations about debts owed Collecting or suing on debts that are past the statute of limitations Filing lawsuits with no actual intent to prove debts if challenged Using false or misleading affidavits and documentation in debt collection litigation Failing to properly investigate disputes raised by consumers Violations of Consumer Financial Protection Bureau ( CFPB ) orders resulting in over {$48.00} XXXX in redress and penalties Given Portfolio 's reputation as a " repeat offender '' of blatant consumer rights violations across multiple states, I have a reasonable belief that I am at high risk of being subjected to similar wrongful conduct should Portfolio attempt debt collection efforts against me. 

In my case : Please note : I have not received any correspondence from Portfolio ever. On or about XX/XX/XXXX, I just found out that Portfolio was reporting debt collections onto my consumer file for 2 accounts. One in the amount of {$4700.00} ( from XXXX ) and the other {$730.00} ( XXXX XXXX XXXX XXXX  ). After doing some searching, I found out that Portfolio filed a lawsuit against me in the justice of the peace court in XXXX XXXXXXXX Texas ( as of right now, I have not been served ) to seek a judgment for {$4700.00} which may be a statute of limitation issue since the account has been delinquent on or about XXXX XXXX. 

On XXXX I mailed a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to Portfolio to validate debt with interrogatories and demand for the production of vital information. I informed Portfolio that I do not have a contract or agreement with them and I challenged them to produce the contract, with bill of sale, assignments, terms and conditions. I await their response. I also sent dispute letters to XXXX, XXXX, and XXXX via USPS certified mail. 

Also in my search, I noticed that Portfolio has a long history of fraud and violations against consumers and the CFPB has labeled Portfolio as " repeat offenders ''. I filed a complaint with the Office of the Attorney General ( Texas ) - Consumer Protection Division as well. I believe that I may be or will become another victim of their fraud schemes. They may or may not be in violation of CFPB orders, the FCRA, FCDPA so I wanted to make the CFPB aware of my situation. I am a single mother struggling and can not afford to be a victim to this junk debt buyer. If they paid for my alleged debts, I thank them, but I never agreed to pay them in return for their generosity. 

I spoke with XXXX ( original creditor ) to get info regarding the closed account. I was informed the following from XXXX : Last payment date : XX/XX/XXXX amount {$50.00} Date considered past due : On or about XX/XX/XXXX, approx. 180 days prior to alleged charge off Charge-off? Yes Charge-off date : XXXX XXXX, XXXX No IRS 1099-C issued Sold? yes Sell date? XX/XX/XXXX Sold to Portfolio Recovery Associates Concerning XXXX XXXX account. I am working on it but I do not have enough information as of yet, but I require the same information from Portfolio.