Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complaint Against : Portfolio Recovery Associates , LLC Case Number : XXXX Court : XXXX XXXX, Texas I am submitting this complaint against Portfolio Recovery Associates , LLC ( " PRA '' ) regarding debt collection practices that I believe violate the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq. PRA filed a debt collection lawsuit against me in XXXX XXXX, Texas, under XXXX XXXX XXXX. The lawsuit remains active. I recently discovered that PRA, through its agents and/or process server, attempted service of the lawsuit at an address where I no longer resided. Rather than serving me at my current address, the process server allegedly taped the lawsuit papers to the door of my former apartment. As a result, I did not receive proper notice of the lawsuit when service was purportedly completed. Because the lawsuit papers were left at an address where I did not reside, I believe the service method was not reasonably calculated to provide actual notice and deprived me of a fair opportunity to timely defend myself. I believe this conduct violates the Fair Debt Collection Practices Act, including : 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. To the extent PRA or its agents represented to the court that valid service had been accomplished when service occurred at an address where I did not reside, such representations may be false or misleading. 15 U.S.C. 1692f, which prohibits the use of unfair or unconscionable means to collect or attempt to collect a debt. Pursuing collection litigation based upon service at an address known, or that should have been known, to be incorrect is unfair and prejudicial to the consumer. Additionally, I believe the service practices used in this matter are inconsistent with the requirements of Texas Rule of Civil Procedure 106, which governs service of process and requires methods reasonably calculated to provide notice to the defendant. The concerns raised in this complaint are similar to those addressed in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX ), where the court considered allegations involving improper service practices and the use of defective service procedures that deprived consumers of notice and the opportunity to appear and defend themselves. While my case involves different facts and a different jurisdiction, the underlying concern remains the same : debt collection litigation proceeding without proper notice to the consumer. As a debt buyer engaged in consumer debt collection, XXXX has a responsibility to ensure that its collection activities, including litigation and service practices, comply with federal law and fundamental due process requirements. I respectfully request that the Consumer Financial Protection Bureau investigate : 1. Whether Portfolio Recovery Associates and its agents used an address that was no longer my residence when attempting service ; 2. Whether PRA conducted reasonable due diligence to verify my current address before pursuing litigation ; 3. Whether PRA made representations regarding service that were inaccurate or misleading ; 4. Whether PRA 's actions violated the FDCPA, including 15 U.S.C. 1692e and 1692f ; and 5. Whether PRA maintains policies and procedures designed to prevent improper service and ensure consumers receive actual notice of lawsuits. I request that PRA review its records concerning service in this case, correct any inaccurate information regarding service, and cease reliance on any defective service attempts. I am prepared to provide documentation demonstrating that I did not reside at the address where service was attempted, together with any supporting court records and correspondence. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation