Consumer complaint received 2025-08-29 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: NJ

Complaint narrative:
To : CFPB In Reference to : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Account No. XXXX XXXX  Violations ( 15 U.S.C. XXXX ( XXXX ), XXXX XXXX XXXX  ) To Whom It May Concern : On or about XXXX XXXX,2025 I served Portfolio Recovery Associates , LLC ( PRA ) with a written cease-and-desist notice regarding the above-referenced account. Under 15 U.S.C. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), PRA was required to cease all communication with me. Nonetheless, on XX/XX/scrub> 2025, PRA sent further correspondenceconstituting a clear violation of XXXX ( c ). 

Additionally, PRAs communications violate : 15 U.S.C. XXXX, by engaging in conduct that harasses, oppresses, or abuses the consumer despite notice to cease ; 15 U.S.C. XXXX, by using false, deceptive, or misleading representations suggesting that collection efforts may continue ; 15 U.S.C. XXXX, by using unfair or unconscionable means to collect a debt, including damaging reputation and credit-worthiness. 

Statutory Basis & Purpose The FDCPA reflects Congresss intent : to eliminate abusive debt collection practices, to ensure fair competition among collectors, and to promote consistent state action to protect consumers. ( 15 U.S.C. XXXX ( a ), ( XXXX ) ) And in XXXX XXXX XXXX v. XXXX, the XXXX XXXX XXXXXXXX Division described the required elements of an FDCPA claim in New Jersey as : the plaintiff is a consumer ; the defendant is a debt collector ; the defendant attempted to collect a debt ; and the defendant violated a provision of the FDCPA. 


FDCPA violations impose strict liability, meaning you need not prove intentional wrongdoingonly that the violation occurred. 

In XXXX XXXX XXXX XXXXXXXX XXXX XXXX, a case applying XXXX ( c ), the court held that ongoing communications after a properly served cease-and-desist letterincluding communications on newly acquired accountsmay still violate the statute unless the collector can prove otherwise. 


Damages As a direct result of PRAs violations, I have suffered actual damages, including but not limited to : Denial of housing applications ; Denial of other credit opportunities ; Harm to household reputation ; Emotional distress and disruption to household stability. 

Under 15 U.S.C. XXXXk, PRA is liable for : Statutory damages of up to {$1000.00} per consumer proceeding ; Actual damages proximately caused by such violations ; and Costs and reasonable attorneys fees. 
Federal Trade Commission Demand & Reservation of Rights Enclosed is an invoice for {$1000.00}, representing statutory damages under FDCPA XXXX ( a ) ( XXXX ) ( A ). 

Payment must be received within XXXX days of receipt of this letter. Please remit to : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Reservation of Rights : Acceptance of this payment shall not constitute a waiver of my right to seek additional actual damages, further statutory damages, or attorneys fees under the FDCPA. I expressly reserve all such rights. 

Conclusion This letter offers PRA an opportunity to resolve this matter amicably. I expect : A written acknowledgment of PRAs violation ; Confirmation that all unlawful collection communications will cease immediately ; Payment of {$1000.00} as detailed in the enclosed invoice. 

If I do not receive payment or confirmation within the XXXXday window, I will have no choice but to file suit in federal court in the District of New Jersey , and I will pursue all available remedies under the FDCPA. 

Sincerely, XXXX XXXX All Rights Reserved

Company response to consumer: Closed with explanation