Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Timeline of Violations by Portfolio Recovery Associates - Repeat CFPB Offender BACKGROUND : In XX/XX/XXXX, the CFPB ordered Portfolio Recovery Associates to pay over {$24.00} XXXX for identical violations to those documented in my case. Despite this enforcement action, PRA continues the same illegal practices. 

XX/XX/XXXX - CEASE AND DESIST VIOLATIONS : XX/XX/XXXX : Sent first cease and desist letter via certified mail demanding all communication stop XX/XX/XXXX : XXXX received letter ( XXXX confirmation ) XX/XX/XXXX : VIOLATION # XXXX - PRA sent settlement offer after receiving cease and desist XX/XX/XXXX : VIOLATION # XXXX - PRA sent account statement XX/XX/XXXX : VIOLATION # XXXX - PRA sent another statement XX/XX/XXXX : Sent second cease and desist letter XX/XX/XXXX : PRA received second letter XX/XX/XXXX : VIOLATION # XXXX - PRA sent statement after second cease and desist XXXX documented violations of 15 U.S.C. 1692c ( c ) = {$4000.00} minimum statutory damages XX/XX/XXXX - INADEQUATE DEBT VALIDATION : XX/XX/XXXX : Sent comprehensive validation demands requiring : signed contracts, complete assignment chain, forward flow agreements ( referenced in PRA 's bill of sale ), signatory authority documentation, proof of legal standing XX/XX/XXXX : PRA received demands XX/XX/XXXX : XXXX provided only credit card statements- INADEQUATE VALIDATION XX/XX/XXXX - DEAD ON ASSIGNMENT DEFECTS : XX/XX/XXXX : Sent inadequate validation notice documenting PRA 's fundamental standing defects : Missing forward flow agreements referenced in their own bill of sale Unestablished signatory authority on electronic assignments Entity confusion between Portfolio Recovery Associates entities Can not establish legal ownership or collection rights IDENTICAL VIOLATIONS TO XXXX CFPB ENFORCEMENT : Your XX/XX/XXXX order found XXXX guilty of " collecting debts without a reasonable basis '' and " making representations about unsubstantiated debts. '' My case documents identical violations- PRA can not substantiate ownership despite comprehensive validation demands. 

CALIFORNIA XXXX VIOLATIONS : Under Young v. Midland Funding LLC ( Cal. Ct. App. ), California courts recognize Fair Debt Collection Practices Act violations. PRA 's actions violate : XXXX Fair Debt Collection Practices Act ( additional $ XXXX damages ) California Unfair Competition Law ( injunctive relief ) TOTAL DOCUMENTED VIOLATIONS : XXXX cease and desist violations = {$4000.00} Inadequate validation = {$2000.00} False ownership representation = {$2000.00} Continued collection without validation = {$2000.00} MINIMUM STATUTORY DAMAGES : {$10000.00} ONGOING HARM : PRA continues credit reporting without legal standing, causing ongoing credit damage. Their " Dead on Assignment '' status makes any collection legally impossible, yet they persist with identical violations that cost them {$24.00} XXXX in XXXX. 

REQUEST : Investigate PRA 's continued pattern of violations despite CFPB oversight. Their repeat offender status and identical violations demonstrate willful non-compliance with federal law and your enforcement order.

Company response to consumer: Closed with non-monetary relief