Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This complaint is one of several complaints filed against the creditor, XXXX and agents associated with XXXX  that continue to harass, intimidate and violate my many demands, complaints to cease and desist communication with me. These demands have been sent certified mail with signature of delivery confirmation to both XXXX  in Attached is a previous complaint that also mentions other complaints against XXXX and their agents such as this creditor, Portfolio Recovery Associates that has continued to violate my rights under the FCRA several times now. Attached are past complaints filed against XXXX and this company, an agent for XXXX, Portfolio Recovery Associates. Attached are also copies of complaints filed with the Federal Trade Commission against both LVNV and Portfolio Recovery Associates as well. In the reply from XXXX in XX/XX/XXXX and in last two complaints with this company, Portfolio Recovery Associates, in their response, they stated, twice now, that they received notice from me to cease and desist communication with me in regards to this alleged collection. They go on to state that when such a notice is received, they place a restriction on the alleged account so that no further contact is made to me. This notice was received by Portfolio Recovery as per their response to most recent complaint sent to them as well as XXXX to XXXX. XXXX was notified as well in XX/XX/XXXX. They received a formal letter to cease and desist communication with me along with documentation requested information. This was cease and desist notification as well as notification of requested documents was received by XXXX on XX/XX/XXXX @ XXXX XXXX  per the certified return card. Portfolio Recovery Associates received the same certified letter with same request as an agent of XXXX, who knows prior, to not contact me in cease and desist letter in XX/XX/XXXX ( see attached pic of delivery ) LVNV in my cease and desist letter, specifically included agents of theres as well, to not contact me but XXXX has continued to not only refuse my legal demands to cease and desist, which includes agents of there company, they have promoted there attempts by having agents such as Portfolio Recovery Associates for the XXXX time as of today, to continue to harass, intimidate and cause me emotional stress now. On XX/XX/XXXX I received the XXXX letter now from Portfolio Recovery Associates, letter dated XX/XX/XXXX well after already being notified by prior complaints using this agency, but also after receiving my letter letter of cease and desist that was sent certified mail and was signed for to confirm delivery confirmation. Portfolio Recovery had replied in past complaints, they had placed a restriction on this alleged account per my demand in cease and desist letter so that no further communication would be made to me in regards to this alleged account. With this new collection letter from Portfolio Recovery, and agent of XXXX, they are not complying to cease and desist communication as they stated in past responses, nor have they complied to my demands through complaints using this agency which are documented but has refused my demands for same in writing, sent and received certified mail. This has been an ongoing, issue with many documented demands from the dept consumer affairs but also with certified letters sent and received by this Portfolio Recovery as well as XXXX. At this point, after today, its the XXXX violation of my rights by this company, XXXX and their agent,, Portfolio Recovery now. This has caused me great anxiety and stress along with unnecessary repeated filing of more complaints to the department of consumer affairs. Ive also filed complaints with the Federal Trade Commission against XXXX as well as Portfolio Recovery for these violations of my rights under the FCRA both federal and state within the past few months Im m asking for the department of consumer affairs to take some kind of legal action against Portfolio Recovery for there blatant disregard of the law and more so, my rights repeatedly as per the attached history of complaints, which includes cease and desist requests in each, company response was they would restrict further contact but as you can see, especially in this new collection letter I received today. In this letter, there asking me to become involved in a heart ship program for an alleged account and requesting personal information. When does this stop????

Company response to consumer: Closed with non-monetary relief