Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
First case filed : XXXX XXXX. XXXX Indiana XXXX case filed : XXXX XXXX. XXXX Indiana XXXX : XXXX XXXX XXXX Indiana XXXX Claims Division Debt Collector : Portfolio Recovery Associates , LLC Improper Jurisdiction ( Twice ) : filed both lawsuits in the wrong jurisdiction despite knowing or having access to my correct address. 

XXXX, XXXX by way of their attorneys XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Virginia XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX Fax : XXXX Email Address : XXXX False Affidavit of Service : Their process server XXXX XXXX filed an affidavit in regard to the second case claiming I was personally served on XX/XX/year>. I have video evidence proving they came to my home XX/XX/year>, and did not render service. And a camera that would have captured footage on XX/XX/year>, had they come to my home. Even if he had come XX/XX/XXXX, it would have not mattered anyways as the suit had been filled XX/XX/year>, subverting the legal requirement to provide notice. They only then tried to provide notice after getting caught trying to get a default judgement and I had the Judge dismiss the case for being filled in the wrong Jurisdiction. 

Mail Fraud Concerns : They claimed to have mailed service on XX/XX/year>, but I did not receive anything until XX/XX/year> : The envelope was addressed to a misspelled name. 

The envelope was not postmarked and had been stamped claiming to have been mailed XX/XX/year> without identifying information of the sender from a XXXX zip code being XXXX, WA which XXXX XXXX could not have mailed. 

The letter was not included in my XXXX XXXX XXXX email, which shows incoming mail images. 

This raises concerns that the envelope was manually placed in my mailbox, bypassing official mail channels. 

Premature Filing Before Notice Received Case XXXX XXXX XXXX XXXX XXXX a debt collection letter dated XX/XX/year>, but proceeded to file a lawsuit just XXXX days later on XX/XX/year>. The letter was not received before the lawsuit was filed, and I was not given the legally required time to dispute the debt or request validation before being sued. 

This violates the Fair Debt Collection Practices Act ( FDCPA ), particularly : 15 U.S.C. 1692g ( a ) Debt collectors must send a written notice of the debt within XXXX days of first contact, including the consumers right to dispute. 

15 U.S.C. 1692g ( b ) The collector must not take any legal action before giving the consumer 30 days to dispute the debt. 

Filing a lawsuit prior to the expiration of the XXXX dispute periodespecially before I even received the letterconstitutes unfair, deceptive, abusive debt collection and an abuse of process. 

Lack of Proper Notice : I was never properly notified of the second case in a timely manner and only discovered the case by my own investigation. An attempt at Fraud by PRA, LLC to get a default judgement against me by filling without notification and in the wrong jurisdiction. 

Violation of FDCPA ( Fair Debt Collection Practices Act ) : 15 U.S.C. 1692d Harassment or abuse 15 U.S.C. 1692e False, deceptive, or misleading representations ( false service affidavit ) 15 U.S.C. 1692f Unfair or unconscionable means to collect a debt 15 U.S.C. 1692i Legal actions must be brought in the proper venue ( wrong jurisdiction )

Company response to consumer: Closed with explanation