Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Violations : 1- In the beginning, Portfolio Recovery, as an entity, refused to reveal their address location for mail correspondence. This was one of their deceptive tactics, according to the Fair Credit Reporting Act, the Consumer Protection Act, and the Fair Debt Collections Practices Act. They hide their location and address. This was deceptive and unethical.

They have just sent a letter to my po box with their address in the letter. I will test it to see if their address ID real.

2 -- Portfolio Recovery does NOT realize that the debt they are trying to collect is Time-Barred with a Four Year TIME CONSTRAINT, according to the laws in the state of California. Th we Four Time constraint begins when I made my last payment to the debt. Meaning I have statutes of limitations that they are NOT honoring. According to the Fair Debt. 
Collections Practices Act and the Fair Credit Reporting Act, This is the LAW in California. Putting it another way, in California, most credit card companies and their debt collectors have only four years as a time limit to come after a consumer. That is why Portfolio Recovery is so aggressive to try to get me to pay on the debt. Once that period elapses, the credit card company or collector loses its right to file a lawsuit against you. 
Portfolio Recovery doesn't realize that I know this... perhaps they know NOW!!

Now, the FDCA, FCRA, CPA, and CFPB, we all now know the truth!!!

3 -- Lying by stating that they called my residence, when in fact, I live in a Homeless Shelter. Also, they lied by stating that they called my job, when in fact I was unemployed during that period. My tax statements will reveal that I am telling the truth, which I am willing to state under a grand jury!

I have all the evidence.

4- Harassing me by sending text messages stating that I waive my rights unless I communicate with them only by phone.

Putting me under Duress by constantly Harassing me!!

5 -- In addition, the text that they sent was meant to intimidate me into believing I have no rights, and that I have no choice except to adhere to their demands. Deception and more Deception.

6 -- They have violated the Fair Debt.

Collections Practices Act The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/year>, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

These are California ( state ) laws and Federal laws in concordance with the United States department of Juatice. Both California and Washington D.C. 

I, XXXX XXXX, state that after Portfolio Recovery associates adhere to the demands, to cease and desist all forms of communication with me : No Telephone, Analog nor digital, Cellular Phone, Telegram, Mail ( USPS ), ELECTRONIC MAIL, SOCIAL MEDIA, XXXXXX/XX/XXXX... etc. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation