Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I filed a complaint with cfpb in XX/XX/XXXX on Portfolio recovery associates. In response to the complaint, this debt collector has sent multiple letters harassing me. Calling multiple times out of the week and from different numbers. PRA has sent to my address ONLY one billing statement as their verification of debt. I did not send a physical dispute with this company and did not make any phone calls to PRA! They have my address from the complaint I filed and Im being harassed! I have disputed this debt multiple times! I asked for a contract with my signature. Ive asked for a license number to collect debt in the state of Michigan! This company is located in XXXXXXXX XXXX  When I spoke to the first representative with PRA she advised me that I can keep disputing but its going to keep going in their favor! She refused to let me dispute until I started asking for documents to be sent to the CORRECT address PRA has on file as of XXXX. Ive asked for the original contract between XXXX XXXX and PRA with the amount the debt was sold for, the manager and a representative stated that they could not provide me with that document because they do not have one! Ive let them know my identity was breached in XXXX XXXX XXXX  along with hundreds of millions consumers and that I was apart of a class action lawsuit! They insist that I owe this debt! The letter that was sent with 1 billing statement which looks to be a fraudulent document that PRA made. PRAs stamp is on this fraudulent document from XXXX XXXX. The last billing statement shows an amount of {$500.00} on XX/XX/XXXX. PRA stated I owe {$680.00}. Theres no where in the cover letter which is another document from PRA stating I have a right to dispute. I was not provided with A copy of the signed contract, signed application, or other documents providing evidence of my liability and its terms. An itemized accounting of the amount claimed to be owed including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt. When I spoke to the collections representative out of 3 on XX/XX/XXXX I was told the extra amount of {$170.00} is interest fees. Those fees arent on the bill statements received by PRA. There is another account with a lower amount. PRA has failed to provide LEGITIMATE verification and validation of this debt. Ive asked for the original contract between XXXX XXXX and PRA with the amount the debt was sold for, the manager and a representative stated that they could not provide me with that document because they do not have one! I was not provided with A copy of the signed contract, signed application, or other documents providing evidence of my liability and its terms. An itemized accounting of the amount claimed to be owed including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt. the amount owed on the last billing statement shows a balance of {$500.00}. Those interest fees arent on the documents that were mailed to me. They insist that I owe this debt! The letter that was sent with 1 billing statement looks to be a fraudulent document that PRA made. I was not provided with A copy of the signed contract, signed application, or other documents providing evidence of my liability and its terms. An itemized accounting of the amount claimed to be owed including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt. tThose interest fees arent on the documents that were mailed to me. Keep in mind the first Representative I spoke to refused to let me dispute and made the statement if you dispute again it will go in favor of PRA JUST LIKE THE OTHER DISPUTES! That was a refusal to open a dispute, I then got discouraged and stressed and told the representative to not open this dispute. As the phone call continued I asked for specific documents she said she could not provide and transferred me then proceeded to open the dispute! My rights were violated from the statement the representative made to me discouraging me to not open another dispute because PRA will win it just like the other disputes. As a consumer with rights under the fair credit reporting act, I was violated from that statement. It was on a recorded call of the PRA representative verbally saying those words.

Company response to consumer: Closed with non-monetary relief