Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
i had XXXX accounts with XXXX XXXX now i only have XXXX i made a payment of {$300.00} to this XXXX late account that had {$650.00} usage..... my other accounts were $ XXXX and over XXXX late but it was not closed i called the company about the {$300.00} payment i sent and they closed it after they said they would not so i called again and asked if it was in error since they have a XXXX  day policy until they close accounts and this was during the pandemic where they sent me relief that was offered through the federal government.... 

the lady was rude and nasty so i TOLD HER THAT I KNOW THEY WILL SELL THE ACCOUNT TO A THIRD PARTY for cheap i offered several times to settle it for more than those companies would pay mind you i already paid $ XXXX {$650.00}....... 
she wanted to act all bossy and you can hear it in the recordings from the same time that the {$300.00} payment was sent then i took it back weeks later after that nasty phone call she is the reason this ordeal has been created and XXXX XXXX has not done anything to assist with it since... 

listen to the phone calls not hard to do i offered to settle this years ago...... i even already paid {$300.00} on this and {$500.00} on my other account at that time that was sent from my sister ... which i sent proof of on the other complaints YOU ( XXXX XXXX have seen ) you sold it to a nasty company who has been harassing my mother for years thank you XXXX XXXX for sending me scam car companies like " XXXX XXXX XXXX '' and then selling my account to PRA so they can harass me mother my sister and send letters to random houses about me geeez thanks for the kindness love doing business with you XXXX XXXX maybe abide by the policies you promised to keep when you obtained licenses to operate in the XXXX i already linked your website to you with your XXXX payment policy to close accounts and after XXXX to increase rates or demote the account available credit yet i get you can listen to the phone call and hear the superiority in that person voice denying me THE COVID RELIEF that was offered in my email from XXXX  that was granted by the government which none of this would have happened if she wasnt the way she was that is why phone calls are recorded denied the covid relief denied to reinstsate my account denied to settle for less YET YOU SETTLED FOR LESS and reinstated the account by selling to someone else to take personal information from it to HARASS MY FAMILY FOR YEARS words will not express the disgust i have in this situation it was a secured account...................... how is this not protected under your same policies this wasn't very secured yet my XXXX  XXXX XXXX  account card was over XXXX late ... and still open i even still owe the same amount but XXXX  is making interest % so why close the account if i was still paying?? 

i owed XXXX more on this card... 
but thankfully i didn't mentioned it to the lady after seeing what she did to my account ending in XXXX because i called to check in about the {$300.00} payment i send and {$500.00} payment i sent to make sure you guys were not going to CLOSE IT AFTER I PAID and you said nooooooo nooo not hard to listen to the XXXX phone calls during that month those payments were sent then TAKEN BACK FOR VIOLATING YOUR POLICIES now here we are today employees should not be given so much power with a few clicks of a button WHY WAS I NOT ALLOWED TO SETTLE MY ACCOUNT FOR LESS?? i owed {$350.00} at the time i called to settle ..................................................... 
yet they still sold it for less than the amount i would have given them??

Company response to consumer: Closed with non-monetary relief