Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Portfolio Recovery AssociatesXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Cease and Desist Communication To Whom It May Concern, I am writing to formally demand that you cease all communication with me concerning any alleged debt. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which mandates that upon receipt of a written notice from a consumer requesting cessation of communication, the debt collector must halt further communication except to notify the consumer of specific legal remedies or actions.

It has come to my attention that your actions may have violated my rights under the FDCPA. Below are key concerns : Harassment and Unlawful Communication Practices : Under 15 U.S.C. 1692d, debt collectors are prohibited from engaging in conduct designed to harass, oppress, or abuse. Any further communication in defiance of this notice will be considered harassment and reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Misrepresentation or False Statements : Pursuant to 15 U.S.C. 1692e, debt collectors must not use any false, deceptive, or misleading representation in connection with the collection of any debt. If you have engaged in such practices, this letter serves as formal notice that I will not tolerate such actions. 

Applicable Case Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirmed that attorneys engaged in debt collection practices are subject to the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reinforced that ignorance of the law is not a defense for debt XXXX under the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Highlighted that any communication that violates the FDCPA, including improper notices, subjects collectors to liability. 

This notice obligates Portfolio Recovery Associates to immediately halt all contact with me. This includes, but is not limited to, phone calls, letters, emails, or any other means of communication. Failure to comply with this request will leave me no choice but to seek all available remedies under the law, including but not limited to filing a complaint with the FTC, CFPB, and state attorney generals office. Additionally, I reserve the right to pursue a private cause of action under the FDCPA for statutory damages, attorneys fees, and other remedies. 

If you believe this debt is valid and you intend to take legal action, you are permitted under 15 U.S.C. 1692c ( c ) to notify me of such actions. However, any other communication will be considered a violation of this cease-and-desist demand. 

Please confirm in writing within 30 days of receipt of this letter that you will comply with my request. Any further contact in defiance of this demand will be interpreted as a deliberate violation of my rights under federal law. 

Sincerely, JXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief