Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Dear CFPB Team, The reason for my complaint is that I have tried to resolve the account for : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX Balance was : {$3000.00} This account was sold to Portfolio Ricovery Associates LLC. This is an old and account and has expired. 

After I have tried to negotiated with XXXX when I have called at XXXX on XX/XX/XXXX at XXXX XXXX  and spoke with XXXX XXXX : XXXX XXXX XXXX about my financial situation and that she agreed that will be sending a settlment letter for the amount of {$1100.00} ( Please see a copy ) and that once the payment is received the account will be delete it from all credit reports. 

I have waited this letter before sending any payment and received around XX/XX/XXXX. I have proceed to send a XXXX Check settlemnet payment for {$1100.00} before XX/XX/XXXX via Certify Mail tracking # XXXX. I was tracking this mail daily and this mail was received at XXXX VA XXXX XXXX on XX/XX/XXXX. But for some reasons it did changed and stayed as of today as '' arriving late ''. 

After a few days I checked again the Certify Mail tracking # XXXX for status and remains the same. Return Receipt # XXXX I have sent XXXX an email explaining that I have sent the payment but USPS tracking # reflects there was a delay. 

After investigating with XXXX  Check Cashing for status of check, for my surprise, the check was cashed by Portofolio Recovery Associates on XX/XX/XXXX ( please see copy with stamp ) which indicating that they actually have received the payment but for some reasons was not reflecting on the USPS Tracking site. 

After I have sent another email and letting them know that in fact XXXX received the settlement payment as agreed, they sent me another email requesting last four digit of social including some type of email agreement not to disclose the emails which I never confirm. 

After sending the email again with all finding including my last four of SS for them " to verify the account '' no response as of today. 

This account has been settled with agrement including the deletion of this account over the phone. And a confirmation for settlement was received via mail from XXXX. 

Wether the Postal Office in XXXX VA assist XXXX to hide this information I want to request a deep investigation for violations to the XXXX XXXX at XXXX VA including how XXXX was able to cashed the settlement check without the Certified Mail signature confirmation. 

I want to report this to FTC Complaint for an investigation. 

Also, I have checked my XXXX and all credit reports and does reflect a remaining balance to PRA that should be in fact settled, closed and deleted per our conversation with XXXX XXXX 

I have recorded all conversation in case they deny this as I have proof. I have also a have a witness as I have speaker phone when I have start speaking with XXXX XXXX. 

In addtion, XXXX XXXX XXXX changed and signed a legislation for the statute of limitation in the state of NY from XXXX years to XXXX years starting XX/XX/XXXX. This account is already been expire which should be removed from all my credit reports. 

I am also aware that debt collectors like PRA buy by pennies per dollars old debts and trying to collect in full balance by harrasing the consumer, when they are not the original creditor. 

I am also requesting the deletion for PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX  XXXX XXXX XXXX {$3300.00} Account number XXXX. This account should be DELETE it as well from all credit reports as this account has been expired. Last payment was XX/XX/XXXX. But account was around XXXX. In addtion that the original creditor : XXXX BANK XXXX XXXX XXXX {$3300.00} Account number : XXXX this account is no longer reflecting in my credit reports. Therefore, the PRA should be delete for an account that does not exist! 

I am aware that XXXX did not bought this debtf or the same amount as the original creditors.. They buy debts by pennies for a dollar. Then run behing people asking for the full amount. This is how they make a big profit under the burden of the consumer misery. 

I am trying to get up on my feets but if this continue and unable to delete this accounts, I feel the pressure of Bankruptcy will be best option for all this burden. 

Please see all communication, letters, proof of payment, tracking numbers, proof of a balance in XXXX XXXX reports, for your review. 

Please note : some of the email I have trouble to print specially the first XXXX as this emails was protected from XXXX preventing me to print apropiertly. 

I feel cheated and disappointed