Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Dear XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by mail on XX/XX/2024, and based on your letter, my understanding is that PORTFOLIO RECOVERY ASSOCIATES , LLC ( XXXX, XXXX ) purchased the alleged debt from XXXX XXXX. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement was sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees, or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 





Details about your authority to collect this debt. 

Physical Paper Documentary Evidence : XXXX, based on your written communications dated XX/XX/2024, I understand that PORTFOLIO RECOVERY ASSOCIATES , LLC ( XXXX, XXXX ) is the HOLDER IN DUE COURSE, I demand the following documentary evidence : Bill of Sale specific to the alleged debt in question, Account Number : XXXX, and Generally Accepted Accounting Principles ( GAAP ) in compliance with XXXX XXXX HOLDER IN DUE COURSE : 1. I demand verification of PORTFOLIO RECOVERY ASSOCIATES , LLC ( XXXX, XXXX ) HOLDER IN DUE COURSE status is being sought. I am formally demanding documentary evidence that demonstrates PORTFOLIO RECOVERY ASSOCIATES , LLC ( XXXX, XXXX ) initial purchase ( Bill of Sale ) for a specific debt in the amount of {$7500.00} with Account Number : XXXX in question. Please provide proof of the purchase of instruments in good faith and in exchange for value, as mandated by UCC 3-302. I hereby formally request access to the complete accounting records. This includes but, not limited to all actual accounting and double-entry transactions, wherein they collectively represent the flow of funds from PORTFOLIO RECOVERY ASSOCIATES , LLC ( XXXX, XXXX ) account ( s ) to XXXX XXXX XXXX account ( s ) for the purchase of the specific debt in good faith and in exchange for value, supported by a sworn affidavit ; 2. A true and certified copy ( not a photocopy ) of the original Bill of Sale instruments of debt, listing the specific debt in the amount of {$7500.00} with the account number : XXXX, This should be provided under penalty of perjury and with unlimited liability. 
3. PRESENTMENT, I formally demand the exhibit of the original Bill of Sale instruments for account number XXXX in the amount of {$7500.00} in accordance with the Uniform Commercial Code 3-501.

4. PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) Business Info : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 
5. PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) Business Location : If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 


I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. All collection activities must cease and desist. I am open to communicating with you via mail for this purpose. 

It is my understanding that my exact correct dwelling place is shown below, and it is my understanding that any and all correspondence addressed incorrectly will be either returned unopened or discarded without dishonor to myself.