Consumer complaint received 2020-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Well on XX/XX/2020 I sent a certified Letter by mail to PRA ( PortFolio Recovery Associates ) asking for validation of Debt I MADE IT VERY CLEAR THIS IS NOT AN ATTEMPT TO VERIFY MY PERSONAL INFO also the same day I emailed the same letter to them at the disputes email listed on the PRA website email was XXXX XXXX XXXX I ALSO HAD THE READ/RECEIVED FEATURE TURNED ON AND IT SHOWS READ. I ALSO HAVE THE TICKET FROM THE POSTAL SERVICES THAT I SENT IT BY CERTIFIED MAIL IN THE MONTH OF XXXX XX/XX/2020 YET THEY SAY THEY HAVE NOT RECEIVED IT I FIND THAT HARD TO BELIEVE. IN THE PREVIOUS COMPLAINT MADE IN THE MONTH OF XX/XX/2020 ) THEY HAVE SAID THAT THEY NEVER GOT A REQUEST ( SO WHAT I AM REFERRING To IS THE XXXX REQUEST NOT XXXX ) I ALSO DISPUTED THIS WITH THE CREDIT BUREAUS asking specifically For certain documents as in The original contract signed, tickets for original creditor along with other documents but the flag that was placed by PRA was removed XX/XX/2020 and then added again by PRA on XXXX XXXX 2020 again showing they received my initial dispute for debt validation request letter in XXXX yet none of this was sent to me not even in the response that pra has sent to me in XXXX 2020. I am wondering how they claim to NEVER have RECEIVED THIS REQUEST!! Also they call my job time after time after being asked to stop i do have the recording of me asking them to please stop calling my job and the the PRA lady on the phone says 'oh why you cant have calls at your job? does your boss not allow it? " I said no they don't allow it she said ill make a note of it well the calls continued after and i do have the records to prove it! Along with the recording of the conversation of her saying she will note it and me asking for them to stop calling and the time and date of this call and call logs at my job and the calls made there after asking them to stop calling my job as well yet in the response to the XXXX dispute i submitted they say they have no request made by me to stop calling my job and not only that XX/XX/XXXX when i received a response for the dispute by mail ( the second one made in XXXX not the ! st in XXXX ) the guy I spoke with ( PRA employee ) XXXX who i spoke with XXXX2020 ) asked me to confirm my number i gave him the work number because thats the only number that they had on me and he clearly says but i see a DO NOT CALL ON THAT NUMBER AND I ALSO HAVE A RECORDING OF THIS CONVERSATION AS WELL on this call with XXXX i also ask him for the date that the original debit notice was supposed to be sent to me with in 5 days and he refused to tell me are answer my question and I do have this recorded as well AGAIN NONE OF THE DOCUMENTS I REQUESTED In the XXXX dispute are XXXX dispute have been received STILL TO THIS DAY HAVE NOT RECEIVED ORIGINAL CONTRACT, TICKETS, I REQUESTED ALL I HAVE RECEIVED WAS A BILL WITH THEIR NAME ON IT I HAVE NOT RECEIVED THE ORIGINAL LETTER Dunning letter0 or letter stating that i have the right to dispute this debit within 30 days never have I received this FROM THEM THEY WERE SUPPOSED TO SEND WITHIN 5 DAYS NOW IM SURE THEY WOULD HAVE ALSO SENT THIS 5 Day notice BY CERTIFIED MAIL BECAUSE IT IS SUCH AN IMPORTANT DOCUMENT THEY WOULD MAKE SURE THEY HAVE POOF THEY SENT IT RIGHT? WITH CERTIFIED MAIL SO IM REQUESTING POOR OF THAT 5 DAY LETTER/NOTICE WITH THE POSTAL INFORMATION SHOWING THAT IT WAS SENT WITH DATE AS WELL AS THE ORIGINAL CONTRACT SIGNED AND DATED!! I HAVE OBTAINED AND ATTORNEY AND I DO KNOW MY RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT AND THIS COMPANY HAS BEEN REPRIMANDED FOR THE SAME VIOLATIONS MULTIPLE OTHER TIMES FOR THE SAME VIOLATIONS BY THE CFPB SO TO BE CLEAR I AM ASKING THAT YOU SEND ME THE LETTER AND POOR IT WAS SENT WITH THE INFORMATION FROM POSTAL OFFICE SHOWING THE DATES IT WAS SENT ALONG WITH THE ORIGINAL CONTRACT I SIGNED BECAUSE YOU OBTAINED THIS DEBT IN XX/XX/XXXX YOU HAVE NEVER SPOKEN TO ME BY PHONE OTHER THEN THE MONTH OF XXXX WHEN YOU CALLED MY JOB REPEATEDLY AFTER BEING ASKED TO STOP AND THE FIRST AND ONLY MAIL I HAVE EVER RECEIVED FROM YOU WAS IN XXXX AND ITS DATED XXXX MEANING THAT THE MONTH OF XXXX AFTER CALLING MY JOB AND SPEAKING TO ME YOU NEVER SENT ME THE DEBT NOTICE WITHIN 5 DAYS REMEMBER I HAVE THE RECORDINGS YOU HAD 5 DAYS TO SEND ME A DEBT VALIDATION NOTICE LETTER YOU ARE TRYING TO COLLECT WITH IN 5 DAYS OF CONTACT WITH ME UNDER THE FDCPA AND OF COURSE SOMETHING SO IMPORT WOULD BE SENT BY CERTIFIED MAIL SO NOT ONLY THE NOTICE YOU SO SAY SENT ME I WANT POOF OF THE DATE IT WAS SENT BY DOCUMENTATION OF WHEN IT WAS SENT BECAUSE I DO ON THE OTHER HAND HAVE PROOF OF WHEN AND WHAT I SENT WITH THE DATES FROM THE POSTAL OFFICE ALONG WITH THE DISPUTES FROM TJHE CREDIT BUREAUS ALONG WITH THE EMAILS ALL ARE DATED AND EMAILS SHOWING READ IN THE MONTH OF XXXX ALSO THE PHONE FROM MY JOB WHERE YOU CALL OVER AND OVER ALSO STATEMENTS FROM MY COWORKERS WHEN YOU CALLED ASKING FOR ME BY NAME AND PICTURES OF THE TIMES AND DATES SHOWING SO I CAN PROVIDE PROOF OF LETTER BY CERTIFIED MAIL IN THE MONTH OF XXXX POOF OF CALLS AFTER BEING ASKED TO STOP CALLING MY JOB POOF OF THE ! ST TIME WE SPOKE IN XXXX PROOF OF EMAILS IN XXXX PROOF OF WHO AND WHEN I SPOKE TO YOU BECAUSE I RECORDED ALL CONVERSATIONS SO THE ! ST TIME WE SPOKE WAS IN XXXX I STILL HAVEN'T RECEIVED THE 5 DAY NOTICE OF DEBT BUT AGAIN PLEASE SEND ME THE POOF THAT IT WAS SENT SHOWING THE DATE ON THE ENVELOPE ARE TICKET FROM THE pOSTAL SERVICE THAT SENT IT BECAUSE BY LAW UNDER THE FDCPA I HAVE RIGHT ASK FOR POOF AND YOU HAVE FAILED TO PROVIDE THIS PROOF YOU HAVE FAILED TO SEND ME WRITTEN NOTICE OF DEBT IN THE 5 DAY PERIOD ALLOWED BY LAW AFTER SPEAKING TO ME YOU HAVE FAILED TO RESPOND TO THE DEBT VALIDATION REQUEST IN THE MONTH OF XXXX ( XXXX/XXXX/2020 ) ALL YOU PROVIDED TO THE CREDIT BUREAUS WAS MY NAME ADDRESS AND SOCIAL SECURITY NUMBER THAT IS FOR FROM POOF OF DEBT I SPECIFICALLY ASK FOR DOCUMENTS AND DID STATE THAT THIS WAS NOT A REQUEST TO VALIDATE MY PERSONAL INFO THIS A REQUEST FOR DEBT VALIDATION YOU HAVE VIOLATED SEVERAL LAWS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT I KNOW MY RIGHTS AND YOU CAN EITHER REMOVE YOUR SELF ALONG WITH ALL NEGATIVE MARKS YOU HAVE REPORTED TO THE 3 MAIN CREDIT BUREAUS ARE I CAN AND WILL SEEK FURTHER LEGAL ACTION ON YOUR COMPANY PORTFOLIO RECOVERY ASSOCIATES LLC XXXX/XXXX/2020