Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) is continuing the same actions concerning their debt collection efforts that prompted the CFPB to investigate and issue a consent order on XX/XX/XXXX against PRA ( File No. XXXX ). The CFPB identified violations of sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( " CFPA '' ), 12 U.S.C. S531 ( a ), SS36 ( a ) ( 1 ), and sections 807, 807 ( 2 ) ( A ), 807 ( 5 ), and 807 ( 10 ) of the Fair Debt Collection Practices Act ( " FDCPA '' ), 1S U.S.C. 1692e, 1692e ( s ) and 1692 ( e ) ( 10 ) ). PRA is suing me in small claims ( XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ). To support their claim they submitted XXXX alleged monthly statement. I filed an Answer denying all claims and allegations against me. After I filed my Answer, PRA sent direct mail communications that : 1. Falsely states that they are responding to my request for information 2. Notifies me that PRA is investigating the validity of the Debt and You may not owe this Debt PRA falsely asserted that I initiated communication with them and requested information about the alleged account, which I did not. PRA sent Notice while suing me that You may not owe this Debt. They sent documents that they did not file with the Court, that are also insufficient to establish any aspect of their claim. Ten days later PRA sent more documentation this time stating ; 1. they are in response to your dispute 2. and that PRA completed [ its ] investigation of your dispute even though I never disputed directly with PRA, and 3. The documents included establish the validity of the account. PRA claimed that incomplete, unauthenticated documentation that they refuse to file with the Court, rather than the account-level documentation and chain-of-title documents PRA is required to possess before filing suit under the CFPBs XXXX consent order against PRA ( File No. XXXX ) established the validity of the account. I am unrepresented and PRA is actively suing me and sending me misleading and deceptive communications directly. I did not submit any dispute to PRA and did not contact PRA outside this lawsuit. I deny all allegations and claims PRA makes. PRAs mailed materials include a spreadsheet-style printout labeled XXXXXXXX XXXX XXXX XXXX that contains the field No Statement Found., yet they also provide an alledged monthly statement that appears to be completely fabricated, instead of a complete monthly statement history/transaction history, and did not provide a complete authenticated chain of ownership from the original alledged creditor ( XXXX XXXX XXXX XXXX XXXX through all transfers to PRA ( only a bill of sale from XXXX XXXX XXXX XXXX to PRA referencing an electronic file ). PRA provides nothing to authenticate the alleged Debt is valid, nor do they provide anything to prove that I am liable for the alleged Debt, or that they own the alledged Debt and have standing to sue me. PRAs behavior is reprehensible and is clearly aimed at misreprenting their documentation and fabricating that I communicated with them in an attempt to deceive me into not appearing for the trial date so they can receive a default judgment, and/or trying to get me to contact them.

Company response to consumer: Closed with non-monetary relief