Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Timeline of Harassment From Portfolio Recovery Associates ( PRA ) Prepared for : XXXX XXXX Time Span : Approximately 3 Years -- - Year 1 Initial Contact & Aggressive Outreach Month 13 Portfolio Recovery Associates ( PRA ) began contacting me regarding an alleged debt I do not acknowledge. 

Calls were frequent and persistent, sometimes coming multiple times per day. 

PRA used automated dialing systems, leaving generic messages that did not fully identify the caller or provide legally required disclosures. 


Month 36 PRA began sending regular collection letters, some containing inconsistent or unclear information about the debt. 

The phone calls increased in frequency, coming from various phone numbers, making it difficult to identify the caller.

PRA continued calling despite lack of response, suggesting they were ignoring verbal requests to stop calling.

Month 612 Received high-pressure collection letters, including statements urging immediate action or implying potential escalation. 

Calls averaged between 510 per week, creating stress and pressure.

At times, PRA called early in the morning or later in the evening, outside standard contact hours.

-- - Year 2 Escalation & Repetitive Harassment Month 1218 Continued receiving repeated calls, sometimes within minutes of each other.

PRA used spoofed or rotating phone numbers, which made the calls harder to screen.

Verbally told PRA representatives to stop calling, but calls continued.

Month 1824 PRA increased mailed notices, some with bold or urgent language meant to intimidate, such as FINAL NOTICE or PRE-LEGAL REVIEW. 

Letters sometimes listed different amounts for the same alleged account, creating confusion. 

Calls were still coming during work hours, disrupting my daily life. 



-- - Year 3 Chronic Harassment & Failure to Comply Month 2430 After two years of unwanted communication, PRA continued making persistent weekly calls.

PRA failed to provide full and proper validation of the debt when requested.

Month 3033 PRA continued mailing payment-plan offers and settlement deals despite my lack of acknowledgment of the debts validity.

Some letters appeared designed to pressure me into action with implied legal escalation.

Month 3336 ( Current Period ) Calls remain ongoing, despite extended periods of no response and clear indication that I did not consent to further communication.

Harassment has caused increased stress, inconvenience, and burden over the past three years. 

PRAs pattern of communication appears excessive and inconsistent with reasonable, lawful collection practices. 



-- - Summary of Harassment Pattern High call frequency ( sometimes multiple times daily ) Rotating and spoofed numbers making the calls difficult to avoid Repeated unwanted communication over 3 years Threat-style or pressure-filled letters Failure to validate the alleged debt when requested Calls outside acceptable hours Emotional stress and daily disruption caused by chronic contact Timeline of Harassment From XXXX XXXX XXXX Prepared for XXXX XXXX XXXX Time Span : Approximately 3 Years Year 1 Initial Contact & Early Harassment Month 13 XXXX XXXX XXXX ( XXXX XXXX began contacting me regarding an alleged debt I do not acknowledge. 

Received repeated phone calls, sometimes multiple times per day, including early morning and evening calls outside normal contact hours. 

Automated and prerecorded messages were left on my voicemail without identifying the caller or purpose. 


Month 36 MCM began sending frequent collection letters, often containing conflicting information about the alleged balance. 

Calls continued despite no response from me, indicating they were not honoring verbal requests to stop calling. 

Some calls appeared from spoofed or varied phone numbers, making it difficult to identify the caller. 


Month 612 Began receiving threatening-toned letters, implying legal action without providing validation of the debt.

Stress increased as the volume of calls averaged 510 per week. 



-- - Year 2 Escalation of Harassing Behavior Month 1218 XXXX  increased call frequency again, often calling back-to-back within minutes. 

Continued attempts were made using robocalls, even after prior attempts to request no further calls. 


Month 1824 Letters began referencing final notices, urgent action, or immediate response required, which created unnecessary pressure. 

Some letters contained inconsistent account numbers or amounts, making the alleged debt unclear. 

Calls were made to my cell phone during work hours, causing disruptions and embarrassment. 



-- - Year XXXX Ongoing Harassment & Continued Non-Compliance Month 2430 Despite nearly two years of unwanted communication, XXXX continued contacting me multiple times weekly. 

MCM failed to provide complete validation of the debt when requested, yet continued collection activities. 


Month 3033 Received additional letters attempting to negotiate payment plans even though I had not agreed the debt was valid. 

Some letters were marked pre-legal or potential legal review, which seemed designed to intimidate.

Month 3336 ( Current Period ) Calls are still being made regularly despite clear indication I am not consenting to communication.

Harassment has caused stress, anxiety, and inconvenience over the past three years. 

This pattern shows sustained, repeated contact far beyond what is reasonable or compliant with FDCPA guidelines.

Company response to consumer: Closed with non-monetary relief