Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint regarding Portfolio Recovery Associates ( PRA ) for what I believe are unlawful and deceptive debt collection practices, including initiating a lawsuit in a state where I do not reside, and attempting to collect a debt without valid legal standing. 
1. PRA Filed a Lawsuit in a State I Do Not Live In PRA has filed a lawsuit against me in the state of XXXX, despite the fact that I am a resident of Minnesota and have been for an extended period. My current and correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have not lived in XXXX  in years, and PRAs attempt to file in a state where I do not reside violates the Fair Debt Collection Practices Act ( FDCPA ), which requires legal actions to be filed in the proper venue, either where the contract was signed or where the consumer currently lives. I do not live in GA. 
2. Debt Origination and PRAs Claim of Assignment from XXXX The alleged debt originally stemmed from XXXX XXXX, not from Portfolio Recovery Associates. XXXX is not suing me, nor have they communicated any active collection efforts. 
PRA claims to be the assignee of the debt from XXXX. However, XXXX has removed this debt from my credit report, which suggests they no longer consider the account active or valid. This raises a serious question : If XXXX no longer claims this debt, on what legal basis is PRA attempting to collect it? 
Additionally, XXXX has my current address on file because I have sent multiple dispute letters to them from the address in XXXX, and I have received responses there. If PRA was legitimately acting on XXXX behalf, they would have had this correct information. 

3. No Communication or Agreement with PRA I have had no communication with PRA no letters, no phone calls, no agreements, and no acknowledgments of this debt on my part. I have never agreed to repay this debt to PRA, nor have I received any documentation or notices from them at my XXXX  residence. 
Instead, they filed suit using my mothers address in Georgia, where I do not reside. I may have visited, but I have not lived there in years. Again, this is a clear indication of their intent to mislead or gain a legal advantage by filing in an improper venue. 

4. Concerns of Fraudulent or Deceptive Collection Practices All of this leads me to believe that Portfolio Recovery Associates is engaging in deceptive and potentially fraudulent debt collection practices : They sued in the wrong state. 


They claim to represent XXXX, despite XXXX appearing to have relinquished any claim to the debt. 


They used an address to serve papers that I do not live at and haven't for years, despite XXXX having my current address. 


They have never communicated with me or given me the opportunity to validate or dispute the debt. 


PRA is well-known for aggressive and questionable debt collection tactics, including lawsuits without proper documentation or standing. 


Request for Investigation I am requesting that the CFPB investigate Portfolio Recovery Associates for : Violating the FDCPA and other relevant consumer protection laws, Engaging in potentially fraudulent lawsuits, Attempting to collect on a debt without proper documentation or authorization, Suing in a jurisdiction where I do not reside, and Failing to notify or communicate with me through proper channels. 


I also request that this debt be invalidated and that any lawsuit initiated by PRA be immediately dismissed due to improper venue and lack of standing. 
Thank you for your attention to this matter. Please let me know if you need any supporting documentation, including the dispute letters I sent to XXXX and any court papers received from PRA. 

Below I have provided evidence I don't live in XXXX, a letter from XXXX that shows my address and I have provided the fraudulent lawsuit. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief