Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX Bank through its XXXX ( XXXX and XXXX ) approved a credit card account ending in XXXX in my name based upon a fraudulently submitted credit application and processed payments totaling {$11000.00} to XXXX XXXX XXXX XXXX XXXX DE, consisting of {$6000.00} on XX/XX/XXXX and {$5200.00} on XX/XX/XXXX ). Subsequently, XXXX XXXX charged off the amounts and sold the debt to Portfolio Recovery Associates , LLC who claims that I owe them {$13000.00}. I received first written correspondence from Portfolio Recovery Associates in XX/XX/XXXX. I contacted them and disputed the claim on XX/XX/XXXX. Now I am receiving written correspondence informing me that the account is being transferred from their Disputes Department to their Litigation Department and that nobody has actually reviewed the account or conducted an investigation in connection with the fraud, as well as telephone calls. It is worth noting that the address XXXXXXXX XXXX used to approve the credit application and open the account is one that I have not lived at since XXXX and I sold that property in XXXX. On XXXX  I contacted XXXX XXXX  directly and opened a fraud complaint. I received a XXXXXXXX XXXX  fraud investigation form and faxed the completed form back to XXXX XXXX on XX/XX/XXXX. Now I am waiting for XXXX Bank XXXX XXXX XXXX to conduct their investigation which may take ninety ( 90 ) days. I have contacted XXXX, XXXX and XXXX and have informed them of this fraudulent account. I dispute having any accounts with XXXX, XXXX, XXXX and XXXX XXXX  Moreover, I never submitted any applications for credit with XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Furthermore, I have never received any communications from XXXX, XXXX, XXXX XXXX XXXX XXXX that I have any credit approvals or debt outstanding. I have not received any physical credit cards from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX either . I am not responsible for this debt. I question the credit approval, due diligence and underwriting practices at XXXXXXXX XXXX since they approved the credit application, opened the account and processed payments using an address that I have not lived at since XXXX and a property that I sold in XXXX. 
On XX/XX/XXXX I contacted Consumer Financial Protection Bureau ( CFPB ) and submitted a complaint against XXXXXXXX XXXX and Portfolio Recovery Associates , LLC ( Complaint Number XXXX ) in connection with the credit card account number referenced above. 
On XX/XX/XXXX I received a request from CFPB asking me to name a single company in Complaint Number XXXX. On XX/XX/XXXX I named XXXXXXXX XXXX in Complaint Number XXXX. 
Also, on XX/XX/XXXX I am submitting this new complaint against Portfolio Recovery Associates , LLC ( PRAC ). PRAC is not responsible for the shortcomings in the original credit approval, due diligence and underwriting and funding practices at XXXXXXXX XXXX, however PRAC has ignored my XXXX letters and persists in contacting me via telephone calls. The first letter is dated XX/XX/XXXX. The second letter is dated XX/XX/XXXX. I believe that PRAC must follow up directly with XXXXXXXX XXXX to resolve their interests in this matter.

Company response to consumer: Closed with non-monetary relief