Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
This letter serves as my formal refusal to pay the alleged debt you claim to be collecting. I hereby demand strict proof of ownership, legal standing, and authority to collect this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

It is publicly known and subject to judicial notice that XXXX XXXX, XXXX. frequently securitizes its credit card receivables, transferring them to asset-backed trusts and third-party investors, severing its legal interest in the accounts. This practice is thoroughly documented in Capital Ones own filings with the U.S. Securities and Exchange Commission ( SEC ), including : Form 424B5 Prospectuses XXXX XXXX XXXX XXXX Receivables Purchase Agreements XXXX XXXX Multi-Asset Execution Trust Agreements These filings are matters of public record and verifiable through the SECs EDGAR database. Under the principle of judicial notice, these facts are not subject to reasonable disputes.

You are hereby required to produce : 1. A complete, dated chain of title evidencing every transfer from XXXX XXXX, XXXX. to Portfolio Recovery.

2. The assignment agreement for this specific alleged account.

3. The original signed credit agreement bearing my signature.

4. Legal proof that Portfolio Recovery currently owns the alleged account.

5. The IRS 1099-C tax discharge acknowledgment regarding this alleged debt.

6. All Pooling and Servicing Agreements ( PSA ) and trust documents showing whether this alleged account was securitized or sold into a trust.

7. The full account transaction history from origination to present.

You are hereby ordered to cease and desist from all collection activities regarding this alleged debt, including but not limited to : 1. Phone calls 2. Text messages 3. Letters 4. Emails 5. Credit reporting Further contact outside of written communication for the sole purpose of providing validation constitutes additional violations of 15 U.S.C. 1692c ( c ).

Portfolio Recovery has committed the following violations : 1. 15 U.S.C. 1692b ( 2 ) : Disclosing alleged debt to third parties without consent.

2. 15 U.S.C. 1692b ( 5 ) : Improper use of company logo/symbol on external communications.

3. 15 U.S.C. 1692c ( a ) : Contacting me without prior consent or court permission.

4. 15 U.S.C. 1692d ( 2 ) : Harassing and abusive collection conduct.

5. 15 U.S.C. 1692e ( 6 ) ( B ) : Use of false, deceptive, and misleading representations to collect.

6. 15 U.S.C. 1692k ( a ) ( 2 ) : Statutory and actual damages applicable.

7. 42 U.S.C. 408 ( a ) ( 8 ) : Unauthorized use, disclosure, or compulsion of my Social Security number.

8. 18 U.S.C. 3571 ( c ) ( 3 ) : Federal liability for damages and penalties.

Additionally, you have violated my right to privacy by the unauthorized purchase, use, and disclosure of my non-public personal information. Due to your negligent, deceptive, and unlawful conduct, I demand that Portfolio Recovery immediately waive and discharge this alleged debt in full. Your repeated violations of federal consumer protection laws fully justify this demand.

Company response to consumer: Closed with non-monetary relief