Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
XX/XX/XXXX This complaint addresses several outstanding problems by Portfolio Recovery Services. 
1. Improper continued contact in violation of the FRCPA after Portfolio acknowledge a debt dispute letter on XXXX XXXX instructing Portfolio to cease making telephone contact. 
2. Re-aging of debt on a credit bureau report 3. Incorrect credit bureau reporting showing this disputed collection and is 60 days past due when no contract or agreement has been entered into to make payment on the disputed debt **Portfolio Recovery Services has XXXX matched complaints out of XXXX total complaints with the Consumer Financial Protection Bureau . 

This complaint concerns a credit card debt disputed with XXXX XXXX. XXXX XXXX has sold this debt to, currently, three separate collection agencies. Portfolio Recovery Services is the latest of these three agencies. This is a disputed debt. 

On XX/XX/XXXX, a certified USPS letter was sent to Portfolio Recovery Services disputing the debt and instructing Portfolio not to make further phone contact ( see exhibit 1, debt validation request dated XXXX XX/XX/XXXX ). This letter contains the exact phrase, " THAT YOU CEASE FURTHER TELEPHONIC CONTACT '' on the first page in BOLD letters! 

On XXXX XX/XX/XXXX, Portfolio responded by USPS acknowledging they had received a recent communication concerning my Debt Validation Request made pursuant the FDCPA, This is provided as EXHIBIT 2. 

Yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) Portfolio Recovery Services made phone contact with me. On XX/XX/XXXX, I instructed the service rep at Portfolio they had received a request to stop calling me. Their response was you need to act like and adult and discuss this like grownups do. 

On XX/XX/XXXX, I received another call and again, instructed the service rep that they are not to call me. The rep asked me to PROVE I sent a debt validation dispute with the instruction " THAT YOU [ sic Portfolo ] CEASE FURTHER TELEPHONIC CONTACT. 

Both of these calls are in direct violation of the FDCPA where a collection agency has been explicitly instructed not to make contact acknowledges the letter not to make contact then continues to repeatedly make contact. 

Portfolio recovery Services is also falsely providing derogatory information to the three credit bureaus. Portfolio in addition to listing a disputed debt, has filed additional derogatory information in the form of representing payments to Portfolio are 60 days late. 

Portfolio has also re-aged the debt which was opened on XX/XX/XXXX and which became delinquent on XX/XX/XXXX and was charged off by XXXX XXXX on XX/XX/XXXX. Portfolio has re-aged the debt to reflect XX/XX/XXXX. 

Portfolio Recovery Services is a debt collection agency that is a repeat serial offender, having more than XXXX matched complaints out of XXXX total complaints with the Consumer Financial Protection Bureau. This agency has repeatedly abused citizens nationwide and continues to without repercussions of the Harm and damage to people 's character and credit.

Company response to consumer: Closed with non-monetary relief