Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recover still calling me in a daily basis since XXXX when after getting divorce in XXXX, I was driven to get in debit due to cover some expenses of my ex-wife and thereafter, due to an XXXX my performance as XXXX was tremendously affected reflecting in my ability to pay my debts. At that time I was able to negotiated with XXXX out of XXXX credit cards and after a settlement agreement I finished to pay off my debits with all of the XXXX creditors, except Portfolio Recover, which was the only XXXX that refused to negotiate and receive a minimum payment until I would be able to pay as they would require. 
They were disrespectful, and used abusive language, even when I called to notify that I have changed my home address in XXXX XXXX. After that they were calling me three or more times a day as usual and I decided to ignore their calls and focusing to pay the other creditors. Last year, around XXXX, I called them proposing to make payments in the amount of $ XXXX until I could increase the monthly payments. I was told that it was not acceptable, I had been delinquent for a long time and I must to pay it no more than in 2 years. They just do n't listen to me, they just repeat what they demand. 
During the call mentioned above, without being advised, another employee claiming to be the supervisor, jumped into the conversation and started pressuring me. After I said I can only pay $ XXXX or nothing, he came with {$100.00} but had to be deducted from my checking account. 
I replied that I would like to pay online or mailing a check because I did n't want to take the risk to have any shortage on my account and have a overdraft and subsequently being delinquent with any scheduled auto payment. He sarcastically gave me a non sense web page which I claimed could not find while with him over the phone. He then said that they do n't accept payment online and started the same harassment he was using before. I warned that I would end the conversation and report them to the bureau of the consumer financing, because they are damaging my credit history and not giving me a chance to make payments as I could afford to. After that they did n't call me for more than 30 days. 
But I never did report them because I had a total loss car accident in XXXX XXXX, and forgot about to do what I am doing now. 
I do n't know my account number with them because during all these years they never sent me a single letter providing me with all information including the total debit. The only letter received was a notification letter in XXXX stating that I have been sued by them in the XXXX XXXX XXXX XXXX in Florida, case # XXXX. Gladly waiting for the hearing, I was surprised with another letter on XXXX/XXXX/XXXX with a NOTICE OF VOLUNTARY DISMISSAL WITHOUT PREJUDICE sent by Portfolio Recover ( I still have a copy of it ). 
While writing this notice I am suspecting now if all these years I have dealt with a collection agent scam since, all these years, during the few times I spoke with them, including last year, I can affirm that I spoke with the same XXXX people ( male and female ) due to their voice, stubborn attitude and some sort of afro descendent XXXX accent being remarkable. 
Porfolio Recover - Phone numbers on my caller ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief