Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
I am filing this new complaint to address continued unlawful collection activity and attorney contact by Portfolio Recovery Associates , LLC ( PRA ) and its counsel, XXXX XXXX XXXX, XXXX, after PRA represented to the CFPB that it had ceased all communications.

I acknowledge that I missed the CFPB feedback deadline on Complaint No. XXXX. This delay was not intentional and occurred due to significant emotional XXXX, XXXX, and disruption caused by the volume, severity, and legal nature of the collection actions taken against me. The stress and fear generated by these actions materially interfered with my ability to timely respond.

1. Continued Attorney Settlement Letters After Cease Communications Claim Despite PRAs statement to the CFPB on XX/XX/year>, that it had : ceased all communications regarding the PRA account unless otherwise permitted or required by applicable law, XXXX XXXX XXXX, acting on PRAs behalf, has continued sending me settlement letters and consent-judgment communications, pressuring me to resolve the alleged debt.

These letters : Attempt to induce me to admit liability Seek to obtain a settlement or consent judgment Are clearly marked as communications from a debt collector Attorney settlement letters are collection communications under the FDCPA, and PRA can not shield itself by routing contact through counsel.

This conduct directly contradicts PRAs sworn representation to the CFPB.

2. False Statement to the CFPB & Material Misrepresentation PRAs claim that communications had ceased was materially false.

Under FDCPA 1692e and CFPB Regulation F, making false or misleading representations to a regulator while continuing collection activity through attorneys is a serious compliance violation.

This conduct undermines the integrity of the CFPB complaint process and warrants enforcement-level review.

3. No Proper Validation Has Ever Been Provided Neither PRA nor XXXX XXXX has ever produced : A signed original XXXX  XXXX agreement A complete chain of assignment from XXXX XXXX XXXX XXXX XXXX PRA A lawful itemization of the alleged balance PRAs claim that validation was untimely does not excuse continued litigation or settlement pressure, particularly when the debt remains disputed and legal action is ongoing.

4. Emotional XXXX  and Duress The repeated : Certified mailings Legal threats Consent judgment demands Contradictory CFPB representations have caused me emotional distress, anxiety, and financial duress. 
As a professional educator and school principal, these actions have caused reputational fear, disruption, and undue stress far beyond normal collection activity. 

5. Pattern of Conduct Requiring Higher-Level Scrutiny This is not an isolated incident. PRA and XXXX XXXX have demonstrated a pattern of : Claiming cease communications while continuing attorney contact Using settlement letters to bypass dispute protections Pressuring consumers to sign consent judgments without validation This pattern requires review under higher supervisory and enforcement standards, not informal complaint closure. 

Requested CFPB Action I respectfully request that the CFPB : 1. Open this new complaint as a continuation and escalation of Complaint No. XXXX XXXX. Investigate the false representation made by PRA regarding cessation of communications 3. Require PRA and XXXX XXXX to immediately cease all collection, settlement, and legal contact 4. Require written confirmation that this account will not be reassigned or pursued further 5. Escalate this matter for supervisory and enforcement review, including attorney conduct Conclusion The prior complaint was closed despite ongoing attorney collection activity. My missed feedback deadline was the result of documented emotional distress caused by the very conduct being complained of. The continued settlement letters confirm that PRAs prior CFPB response was inaccurate.

This matter should not be treated as resolved.

I reserve all rights under the FDCPA, FCRA, CFPB regulations, and applicable state law.

Company response to consumer: Closed with explanation