Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Collection Company : Portfolio Recovery Associates LLC Phone : XXXX Address : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX & XXXX XXXX XXXX XXXX, VA XXXX Complaint : I am requesting a formal escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Portfolio Recovery Associates LLC, its executive management team, in house collection team and any affiliated collection service companies. Currently I ( and members of my family are being attacked regarding a debt tied to my SSN ) via harassment by Portfolio Recovery Associates LLC regarding a debt they currently hold under my SSN. 

Each of my creditors, on every account that is going unpaid due to my inability to pay approximately {$480000.00} dollars in debts to various creditors and the IRS. Each creditor was notified in writing that I will be filing for bankruptcy as soon as I have enough money to secure an affordable attorney and cover my filing fees. For each company I submitted and verified that they received my request for a cease and desist for no contact - with additional directions to require them to mark the account in a manner that if the debt was outsourced for collection that they would see the account notated for no contact as well. 



Portfolio Recovery Associates LLC has willfully engaged in a complete disregard for my request despite them receiving a SECONDARY cease and desist request with notice of intent to file bankruptcy delivered to : XXXX XXXX XXXX XXXX, VA XXXX & XXXX XXXX XXXX XXXX, VA XXXX Portfolio Recovery Associates LLC is outright refusing to follow the law in order to bolster their fraudulent judgement request. Their relentless refusal to stop their harassment and disclosure of my personal debts to 3rd parties will not be tolerated. Their company consistently operates outside of federal protections regarding debt collection and following their unsuccessful attempts to bully and harass me into paying a debt that I can not pay they have begun their persistent aggravated contact attempts to my family members and roommates including an onslaught of daily phone calls to my father ( same name ), who lives in a different time zone and they call him daily between the hours of XXXX and XXXX XXXX  his local time. They continue to send my father threatening letters and continue disclosing my debt to 3rd parties. I have secured his phone records validating the time of contact and all the numbers can be traced back to Portfolio Recovery Associates LLCs onslaught of robo call spoofing numbers which the company continues to deny using. 



Portfolio Recovery Associates LLC is further advised for immediate notice in this escalation complaint addressed to the CFPB and FTC to cease and desist any and all communications with me, my employers ( past, present, future ) and to discontinue their harassment, intimidation, and contact with my relatives/roommates/associates. As well as to black list my social security number and bar any accounts past, present, or future from any kind of contact. 



I feel I am under extreme duress from their relentless refusal to cease their harassment and communications to 3rd parties disclosing my debt. Portfolio Recovery Associates LLC had received the separate notice advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although there are several legal firms who have offered to take up my harassment case against Portfolio Recovery Associates LLC in a class action claim at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with my family providing assistance when they can. There is no confusion regarding my clear communication to Portfolio Recovery Associates LLC. In order to fraudulently obtain a default court judgement in their favor, they are consciously falsifying their contact records and will deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. I am certain they have falsified their records. 



In the process of their aggressive collection efforts even after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to my family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my XXXX  XXXX  state. I have also escalated a formal complaint including documentation to the Virginia State Attorney Generals office for investigation into the business dealings of Portfolio Recovery Associates LLC in my state. Regarding my concerns, I am requesting a further investigation into Portfolio Recovery Associates LLC including a full review of their business practices and detailed audit of other consumer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. Through ongoing talks with a legal advocate attorney who is handling other complaints against Portfolio Recovery Associates LLC, I intend to participate in a class action suit due to their flagrant intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy. This notice of complaint to be filed with the CFPB and FTC as well as the Virginia State Attorney Generals office serves as notice of my grievances with this collection company.