Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This is the email I sent them today XX/XX/year> Cease-and-Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone : XXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC Attn XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX XXXX XXXX XXXX Email : XXXX Subject : Immediate Cease and Desist Order for Unlawful Debt Collection Practices To Portfolio Recovery Associates, I, XXXX XXXX XXXX demand that Portfolio Recovery Associates , LLC, its agents , employees , and representatives immediately cease all communication with me, including but not limited to phone calls, letters, emails, and text messages, regarding any alleged debt. This demand is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, and New York General Business Law ( GBL ) 601 ( 2 ). I do not owe Portfolio Recovery Associates any debt. 

For approximately 1520 years, Portfolio Recovery Associates has contacted me weekly or bi-monthly at my current phone number, ( XXXX XXXX XXXX, and other phone numbers I have had in the past, regarding an alleged debt that is time-barred under New Yorks statute of limitations ( CPLR 213, 214 ), which is six years for written contracts and three years for oral contracts. Your continued attempts to collect this debt without disclosing its time-barred status violate FDCPA 1692e and NY GBL 601 ( 8 ), as well as New York regulations ( 3 NYCRR 1.3 ).

I have documented hundreds of call records demonstrating Portfolio Recovery Associates persistent contact over this period, including a spoofed call received today, XX/XX/year>, from ( XXXX ) XXXX. I also possess proof that Portfolio Recovery Associates has engaged in deceptive practices by spoofing phone numbers to make calls appear as if they originate from local businesses, with the intent to trick me into answering. This conduct violates FDCPA 1692e ( 10 ), which prohibits false or deceptive means in debt collection, and NY GBL 601 ( 9 ), which bans misrepresentation in collection practices. Be advised that such violations may result in damages of up to {$1000.00} per violation under FDCPA ( 15 U.S.C. 1692k ), and, if applicable, {$500.00} to {$1500.00} per call under the Telephone Consumer Protection Act ( TCPA, 47 U.S.C. 227 ) for spoofed calls to my cell phone without consent, in addition to actual damages for emotional distress or other harm.

Under FDCPA 1692c ( c ) and NY GBL 601 ( 2 ), I demand that Portfolio Recovery Associates cease all communication with me regarding the alleged debt. Do not, I repeat, do not contact me again! Any further contact, except as permitted by law ( e.g., to confirm receipt of this letter or notify me of specific actions taken ), will be considered a violation of federal and New York State law. I am retaining all call records and evidence of spoofed numbers, including the call from ( XXXX ) XXXX, and reserve the right to pursue legal action for violations. Damages may include up to {$1000.00} per violation under FDCPA, plus actual damages for emotional distress or other harm caused by your prolonged and deceptive collection efforts. 

Do not contact me by phone, text, email, mail, or any other means. I have reported your practices, including the spoofing of phone numbers such as ( XXXX ) XXXX, to the New York State Department of Financial Services and the Consumer Financial Protection Bureau, and I will continue to monitor your compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief