Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX I received a phone call from Porfolio Recovery, I asked to speak to the dispute department and was transferred. A woman in the dispute department answered requesting that I confirm private personal information to her before she could speak to me. Under 15 US Code 1692g that the I am not required to provide personal information to dispute, trigger or receive the validation of the alleged debt. She became very unprofessional, rude and combative that I would not verify my personal/private details with her. I then asked if there was an email that I could send a written dispute to which she gave to me. That same day XXXX XXXX XXXX XXXX XXXX I sent the written dispute via email to the email she provided ( XXXX ) requesting a full validation to include all of the following information : The name and contact information of the original creditor. 

- A complete account history showing all charges, payments, and adjustments. 

- A copy of any contract or agreement bearing my signature that legally obligates me to this debt. 

- Documentation confirming the debt is within the statute of limitations for collection. 

- Proof that your agency is authorized to collect on this debt. 

No response was received in response to this email as of today 's date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received an email from Portfolio Recovery Services in regard to the alleged debt in an attempt to collect it. I know that based on the aforementioned law once the consumer notifies the debt collector in writing and the debt or any portion thereof is disputed the debt collector shall cease collection of said debt until they provide written verification of the debt as requested. As of the day I am submitting this complain the written validation/verification I requested still has not been received. I then sent an email to Portfolio Recovery letting them know that the email served " as a formal Notice of Violation regarding your failure to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), and potentially the Fair Credit Reporting Act ( FCRA ), in connection with your recent communication sent to me on XXXX XXXX XXXX XXXX XXXX XXXX, following my written dispute of the alleged debt dated XXXX XXXX XXXX. '' Again, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received another email from them with an attempt to collect the alleged debt. I sent yet another email serving as a " Notice of Violation '' following this contact. Then today XXXX XXXX, XXXX XXXX XXXX XXXX I received a phone call from Portfolio Recovery Services and spoke to someone named XXXX XXXX The number they called from had their name and the number was XXXX. I informed XXXX that I submitted a formal dispute in writing via email on XXXX XXXX XXXX and have since been contacted twice and that I would be filing a formal complaint against them for the continued contact after having filed said dispute. The emails received respectively on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, looked to have potentially been automated, however prior to my official written dispute via email I had never received any emails from them in regard to this alleged debt. The contact via email began only after I filed the official written dispute ( see screenshot of evidence ). Nor at any point in time did I consent to receiving any emails from them at any point in time outside of the validation/verification I requested. 

All of the above actions are in violation of Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), and potentially the Fair Credit Reporting Act ( FCRA ). I feel as though I am being harassed by this company and that their behavior is problematic, as well as clearly illegal.

I am requesting the following from this agency and Portfolio Recovery : 1. Immediate cessation of all contact from Portfolio Recovery as mandated by law. 
2. Full and written validation as originally requested if the agency intends to continue collections efforts.

3. Regulatory Investigation into the agency 's collection practices for willful disregard of federal consumer protection laws.

4. Removal of the unverified debt from all credit reporting agencies until the full and written validation/verification can be properly furnished.

5. Statutory damages of up to {$1000.00} as permitted under 15 US Code Section 1962k ( a ) ( 2 ) ( A ) for FDCPA violations.

6. Compensation for the actual damages relating to the impact of my credit score and emotional distress.

7. Enforcement Action by your office to hold this agency accountable for its noncompliance with federal consumer protection regulations.

Company response to consumer: Closed with explanation