Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
In XXXX, I disputed a debt with XXXX XXXX  who sold the debt to PORTFOLIO RECOVERY ASSOCIATES. I disputed that I did not receive information that my debt was in jeopardy of going to collections. Which, I did not. I was unable to provide proof at the time, to match the timeline. So, this item remains as a negative impact on my credit. I reached out to XXXX XXXX  and was given false information, that they would get the debt back from Portfolio Recovery Associates and I would be able to pay the remaining balance of the debt, less the late fees and interest added. 

I was told to follow-up within 30 days. Upon doing so, I was told by another representatives that once the debt is sold, there is nothing they can do and I need to speak with the collection agency. 
I explained that, I did not receive a DEMAND LETTER, commanding that I make the complete payment, before selling the account to Portfolio Recovery Associates. I also explained that, the last correspondence I received from them was an email, offering me a payment plan, XXXX months before I was alerted that a collection had been added to my credit reports. 
In my state of residence, Louisiana Debt law states that I must receive a DEMAND LETTER, before any further course of action can take place. I did not. 
At the time of going delinquent on the account, I was in the hospital with COVID-19. I was out of work for several months. I explained this to them, once I was able to start working again, in the latter part of XXXX. 
Trying to resolve the issue with XXXX XXXX  has gotten nowhere. 
This has lead me to research the debt laws in my state. 

According to my state, Louisiana, this account is considered an OPEN ACCOUNT, a credit card account. In regards to XXXX XXXX, the prescription is XXXX years, from the last payment made on the account. The last payment made on this account was within the same month, I tested positive for COVID, XX/XX/XXXX. We are now XXXX XXXX. Which according to my state and the state in which Portfolio Recovery Associates is trying to collect the debt, the statute of limitations has expired. 

While I am not one to purposely choose to not pay a debt, I tried to resolve the issue in paying the remaining balance with the original creditor, that I agreed to do business with. However, I was strung along and lied to about getting the debt back from the collection agency. 
This leads me to now requesting that this item be removed from their records and demanding that it also be removed from my credit reports. 

I have attached information from Louisiana Debt Law, as well as the last email correspondence received from XXXX XXXX, my last payment receipt email, as well as the account information from my XXXX credit report ; showing the specific date the collection account was opened with Portfolio Recovery Associates. Which further proves there was no DEMAND LETTER mailed out to my residence, before submitting the account to a collection agency.

Company response to consumer: Closed with non-monetary relief