Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I am filing a complaint against Portfolio Recovery Services that has claimed to have sent me a letter of notification that I had not received and then CFPB closed the case and Portfolio Recovery Services did NOT provide the proof that I received that notification letter that they provided on file. I asked in my complaint that it be shown that it was received by me with a signature as proof that I received it. This is unfair practice and violates my rights as a consumer. Anyone can claim they sent it and attached it with no proof. I have attached all files and my complaint below with prior case number XXXX where you can see my complaint and their response. 

Here is my complaint : **Failure to Provide Written Notification of Debt - Request for Verification** **To : PORTFOLIO RECOVERY ASSOCIATION** **Dear PORTFOLIO RECOVERY ASSOCIATION Customer Service/Legal Department , ** I am writing to formally lodge a complaint regarding the handling of an alleged debt under my name. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive written notification about any debt to ensure I have the opportunity to dispute the validity of the claim. However, I have not received any such notification from your company. 1. **Lack of XXXX XXXX : ** - I have not received any written notification about the alleged debt from your company, as required by law. This notification is crucial as it allows me the opportunity to dispute the debt within the legally provided timeframe. 2. **Right to Dispute : ** - I am currently unaware of the specifics of this debt and, therefore, have been deprived of my right to dispute its validity. The absence of proper notification infringes upon my consumer rights and places undue burden and stress upon me. 3. **Request for Verification : ** - If you believe that you have provided me with the proper notification, I request that you send me proof of this notification. Please provide : a. A copy of the written notification. b. Proof of delivery, including the certified mail receipt with my signature and the date it was received. The failure to provide written notification and an opportunity to dispute the debt has caused significant distress and confusion. I am requesting an immediate review of this matter and a prompt response to ensure compliance with my consumer rights. 1. **Immediate Provision of Proof : ** - Provide a copy of the written notification and proof of delivery as stated above. 2. **Opportunity to Dispute : ** - Allow me the opportunity to dispute the debt if the notification was not properly delivered. 3. **Correction of Records : ** - If the debt is found to be invalid, I request that all records of this debt be removed from my credit report and any other records your company maintains. 4. **Consumer Rights Compliance : ** - Ensure that all future communications regarding any debt strictly adhere to the FDCPA requirements. Please respond to this complaint within 15 days of receiving this letter. I have also cc 'd the Consumer Financial Protection Bureau ( CFPB ) in regards to this matter to ensure proper oversight. Thank you for your prompt attention to this serious issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX XXXX Here is their response : Portfolio Recovery Associates , LLC ( PRA ) investigated the complaint, verified the PRA account ending in XXXX, and confirmed that we notified our customer of our purchase of the account and provided notices required by law. PRA purchased the XXXX XXXX XXXX XXXX ( " XXXX '' ) XXXX XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$780.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to our customer on or about XX/XX/XXXX, a copy of which is attached. We take compliance with all applicable state and federal laws very seriously. We believe that our customer was properly notified of our purchase of the account and provided notices required by law and no further steps in response to the complaint or follow-up actions are required at this time.

Company response to consumer: Closed with explanation