Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this formal complaint regarding deceptive and unlawful debt collection and legal practices by Portfolio Recovery Associates ( PRA ) and their legal counsel, XXXX XXXX XXXX. 

Background : On XX/XX/year>, I entered into a settlement agreement with Portfolio Recovery Associates to resolve a debt for a reduced amount. 

I promptly made the full payment required under the settlement terms on the same day. 

The payment was made via check and cleared my bank account on XX/XX/year>, as confirmed by my bank records. 

Despite this, on XX/XX/year>, attorneys from XXXX XXXX XXXX appeared in court on behalf of PRA and requested and obtained a default judgment for the full original amount of the debtcompletely disregarding the valid settlement and cleared payment. 

This sequence of events shows a willful and deceptive act on the part of PRA and their attorneys to mislead the court, enforce a debt that had already been resolved, and collect funds they were no longer legally entitled to.

Violations : These actions constitute serious violations of federal and state law, including : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representations in connection with debt collection ; 15 U.S.C. 1692f Prohibiting unfair or unconscionable means to collect or attempt to collect any debt. 

XXXX  Consumer Collection Practices Act ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting collection or enforcement of a debt that is not legitimate or has already been satisfied. 

Fraudulent Misrepresentation and Abuse of Process : XXXX XXXX XXXX and related provisions prohibit misrepresentation to the court and fraudulent filings. 

Their conduct represents fraud upon the court, a blatant abuse of legal process, and has caused me serious harmfinancially, reputationally, and emotionally. 

Requested Resolution : I respectfully request the CFPB to investigate and take enforcement action requiring that PRA and XXXX XXXX XXXX : Immediately vacate the unlawful judgment entered on XX/XX/year> ; Provide written confirmation that the account is satisfied in full, and that no further collection activity will occur ; Ensure full deletion of any negative credit reporting related to this account with all consumer credit bureaus ; Issue a written explanation and apology for the legal misconduct ; Provide generous compensation or restitution for the harm caused by their unlawful actions to my credit and the emotional damage. 

Despite my direct communications with XXXX XXXX XXXX requesting that they honor the settlement and correct the error, they have failed to act in good faith or resolve the matter. 

I am attaching documentation to support my claims, including : Proof of settlement agreement ; Proof of payment and bank clearance ; Court records indicating the judgment date and amount. 

This complaint is submitted in good faith to protect my rights and to prevent further consumer abuse by these entities. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief