Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Nature of Complaint : Failure to Establish Debt Ownership XXXX filed a lawsuit against me ( Case No. XXXX ) in XXXX XXXX XXXX, Texas They have never provided evidence that they own or have the right to collect this alleged debt They have failed to produce documentation showing proper chain of title or assignment They proceed with aggressive collection tactics without establishing their legal standing They have not demonstrated any legitimate connection between myself and this alleged debt Improper Service and Notice I was never properly served with the lawsuit. The case was transferred but should have been dismissed ab initio. 
I only learned about the lawsuit through multiple solicitation letters from attorneys who had somehow obtained my information before I was even served This suggests XXXX was sharing my personal information with third parties before any legal notification The case was transferred from XXXX XXXX to XXXX XXXX without proper service, and XXXX XXXX, continued the same unscrupulous tactics. 


Continued Harassment Despite Legal Challenges Multiple motions were filed challenging XXXX 's ownership of the debt or right to sue based on court 's lack of jurisdiction XXXX has consistently failed to respond to legitimate legal requests for documentation They continue aggressive collection efforts without establishing their right to collect Procedural Abuse They pursue collection through questionable procedural methods, filing through e-filing but claiming to mail documents that are never received. I am only finding that documents are being filed, by printing out register of actions daily. 
They continue to use problematic service methods for court documents They are pursuing a receivership order despite their failure to establish ownership They systematically avoid responding to legitimate legal requests Systemic Issues with Judicial Process There appear to be serious institutional issues that facilitate XXXX 's practices : Courts appear to rubber-stamp XXXX 's XXXX without meaningful review Properly filed defensive pleadings seem to be ignored or given minimal consideration Identical form orders are issued across multiple cases suggesting lack of individual review Pro XXXX defendants face apparent systematic bias in proceedings Court procedures seem to favor mass-filing debt XXXX over individual defendants Despite filing detailed responses and evidence, court orders show no indication of having considered defendant 's arguments Receivership orders are granted without proper evidentiary hearings Emergency motions are granted ex parte without proper notice or opportunity to respond Court clerks appear to XXXX XXXX 's filings with XXXX speed while defensive filings face delays Statistical patterns suggest concerning correlation between specific courts and favorable XXXX outcomes Courts appear XXXX ignore evidence of improper service while accepting XXXX 's assertions at XXXX value Defendants ' motions for relief from improper judgments face inexplicable delays Pattern of courts accepting XXXX 's boilerplate affidavits XXXX requiring proper evidence Appearance of preferential treatment in scheduling and hearing settings Persistent Pattern of Misconduct and Willful Violations Despite multiple regulatory actions, fines, and court orders, Portfolio Recovery Associates continues XXXX XXXX XXXX mass lawsuits without proper documentation, overwhelming court systems nationwide Systematically abuse e-filing systems by : Filing court documents electronically while only sending physical mail to defendants Deliberately creating time gaps between e-filed documents and postal notice Using e-filing to obtain quick judgments before defendants receive notice Claiming service through mail while benefiting from faster e-filing Exploiting the difference between e-filing timestamps and postal delivery times Filing emergency motions via e-file without contemporaneous notice to defendants Using e-file system to create appearance of proper service without actual notice Failing to provide e-file notification information to pro XXXX defendants Pursue collection on debts they can not prove they own Engage in systematic robo-signing of legal documents Make false or misleading representations in court filings File suits on time-barred debts Share consumer information with third parties before establishing legal right to collect Ignore state and federal regulators ' directives Continue abusive practices even after paying millions in fines Target vulnerable populations with aggressive collection tactics Manipulate court procedures to obtain default judgments Hide behind complex corporate structures to evade responsibility Refuse to correct known errors in consumer accounts Deliberately withhold exculpatory evidence in court proceedings Maintain policies that knowingly violate consumer protection laws Use technological systems designed to maximize collection without regard for legal compliance Train employees to use deceptive collection tactics Deliberately fail to maintain proper chain of title documentation Continue to purchase dubious debt portfolios despite known documentation issues Industry-Wide Impact : This complaint is part of a larger pattern of misconduct by Portfolio Recovery Associates that affects consumers nationwide. Their practices appear designed to : Overwhelm courts with mass filings Obtain default judgments through improper service and deceptive e-filing practices Exploit the disparity between e-filing and physical mail notification Create procedural advantages through technological manipulation Pressure consumers into paying debts without proving ownership Exploit consumers ' lack of legal knowledge Circumvent consumer protection laws Profit from questionable debt purchases Avoid proving their legal standing to collect Deny defendants fair notice and opportunity to respond This complaint is submitted to address ongoing violations of consumer protection laws and to prevent similar actions against other consumers. I authorize the CFPB to send my complaint and information to the company for a response. 
I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation