Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Reported the following to the XXXX  XXXX XXXX on XX/XX/XXXX : Sent a letter requesting that Portfolio Recovery Associates only correspond by USPS and is not permitted to call me or will be considered harassment. 
On XX/XX/XXXX, I sent a letter to the offices of Portfolio Recovery Associates requesting validation of the debt they are trying to collect AND that no telephone contact be made by their offices to my home or to my place of employment and all future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. On XX/XX/XXXX, I received a letter from this office, responding to my inquiry of the debt validation. Hence acknowledging receipt of my letter on XX/XX/XXXX. Portfolio Recovery Associates has CONTINUED to contact me via my home telephone after they have been directed that this would be considered harassment. Calls have been recorded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As such, this company continues to VIOLATE the the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior. 

On XX/XX/XXXX, Portfolio Recovery Associates replied to my complaint : This communication is from a debt collector : This message may contain confidential and/or nonpublic personal information and is intended solely for resolution of a complaint forwarded to Portfolio Recovery Associates, LLC ( " PRA '' ) by the XXXX XXXX XXXX of XXXX XXXX XXXX ( " XXXX '' ) ; dissemination, distribution or copying of this communication is strictly prohibited. 
Thank you for bringing this matter to the attention of our office. We were attempting to contact someone else. Portfolio Recovery Associates, LLC sincerely regrets the consumer 's every inconvenience. PRA removed the consumer 's telephone number, ( XXXX ) XXXX-XXXX, from our system to ensure that the consumer 's telephone number is not again called by PRA. 

XXXX XXXX Disputes Counsel Office of Complaints & Disputes Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX On XX/XX/XXXX, I replied to Portfolio Recovery Associates : Under the THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1692-1692p, section 805 Communication in connection with debt collection, Portfolio Recovery Associates refused to cease further communication from myself, the consumer. The excuse that my phone number was used in an attempt to contact someone else, when it was more than one occurrence is false. Under the 813. Civil liability, I will be pursing my right for damages with this violation as long as Portfolio Recovery Associates continues to reporting to the three credit bureaus. In addition with the claim that my phone number was used to contact someone else, Portfolio Recovery Associates, claims on their website that " We restrict access to nonpublic information about you to those employees and entities that need to know that information in order to collect your account. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. '' So with regards to my phone number being used for another contact, are these safeguarding measures as claimed on your website actually in accordance with federal regulations.

Company response to consumer: Closed with explanation