Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am writing again to address the adverse remarks on my credit file that have been attributed to me. Since XXXX of XXXX Portfolio Recovery Associates falsely reported a debt that PRA owe you, and said company furthermore have falsely stated to the Consumer Financial Protection Bureau ( CFPB ), references # XXXX, XXXX, XXXX, XXXX,, and XXXX that you have sent a letter to me, dated XX/XX/XXXX. As of XX/XX/XXXX, and despite several requests in writing from me and complaints filed with the CFPB, you have failed to provide any evidence, such as receipt of a signature from alleged send letter, tracking number, et cetera, I have not received either the letter in question, nor have I received any supporting documentation to the alleged debt I owe. As of XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX has send me a document for a bill of sale between XXXXXXXX XXXX XXXX ( Seller ) and XXXX XXXX XXXX Consumer Card Services ( buyer ) for an undisclosed amount ( about 4.5 % of the value of the debt, per the XXXX report XXXX XXXX XXXX XXXX ) . I do not have any contract between myself and XXXX XXXX XXXX ( Not XXXX XXXX XXXXXXXX with a K! ) signed by XXXX XXXX and XXXX XXXX XXXX . I do not know either of these individuals, but it appears to be that they have stolen my identity at this time. As per the files that XXXXXXXX XXXX XXXXXXXX have send me, it also involves a file, that was purchased for a redacted amount. Where is this file? Where is my copy of this file? What was on this file? Since I do not have a copy of this file, I can assume that the file was either empty, or has illegal items stored on it, such as XXXX XXXXXXXX, etc. XXXXXXXX XXXX XXXXXXXX has to provide me with a full unredacted copy of this file and its contents, as well as the price that was paid for, in all fairness, that is what should've done already, but I do not expect anything else from a company who is unethical and immoral. Furhtermore, XXXXXXXX XXXX XXXXXXXX has not provided me with a copy of the original contract between myself and XXXXXXXX XXXX XXXX, showing what section of the contract I breached. Additionally, I have asked for the contract with my signature and my full social security number, and in both instances, XXXXXXXX XXXX XXXXXXXX has failed to provide any evidence to support their claim of an owed debt. I have also asked for the Obligation between PRA and ME that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. Proof of photo identification ( i.e. Drivers License, State Identification Card, or other government issued identification card ) presented at the time of incurring the debt. XXXXXXXX XXXX XXXXXXXX has once again epically failed to provide this document. Furhtermore, I have also asked how this debt was ( if it was ) securitized, and as of the date this complaint has been filed, I have yet to receive such information. This indicates that any debt collector, XXXXXXXX XXXX XXXXXXXX as well as Portfolio Recovery Associates who uses ABUSIVE PRACTICES, such as LEGAL THREATS, are in fact a violation of the FDCPA. Lastly, XXXX XXXX XXXX falsely claims that I make his unethical Law Firm responsible for any reports on my credit report, which he simply ahs copied and pasted from past reports, when my complaint has no such statements. And to assure XXXX XXXX XXXX of calling, I have spoken to 3 different individuals, and none of them was either polite, nor professional to me, with the last individual stating that " he ( I ) will not be wasting my time with you ''. So why would I call again if I'm already being treated like that? 

If XXXXXXXX XXXX XXXXXXXX fails to provide these documents, I will have no choice but to file a cease and desist, as well as complaints with federal and state authorities. 

Thank you for your cooperation, XXXX XXXX

Company response to consumer: Closed with explanation