Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX during my XXXX treatment the prior debt collector called and I paid the entire amount off I proved this an email and a phone call where during the phone call the rep said they did not get the documents. I provided a court order that stated portfolio recovery had to be in compliance and stay in compliance case remains open. They are not relieving me of the three years of unpaid late debt. If I was to pass away this makes it go to my estate that incorrect and against civil elder laws and tax law also fradualnt and they could be liabilities. This is the way they are headed so my family they live out of the home are going to be charging each credit bureau as my bank offers insurance and protection. For {$120.00} an hour for anything that theyve done thats contributed to this and up to this for missing work and time and hours as they have been putting in a lot of work to try to correct and resolve an issue that they refused to even look at. My family now has gone up to many months correcting and trying to correct this issue so I could get rentals on credit due to healthcare reasons I can not because my credit score is solo from portfolio recovery putting three years negative marks on my history. This is is also against civil code. I have expressed it many times that they have caused undo stress and burden anxiety and Ive been hospitalized several times because of this problem where I can not even bring these issues home anymore : I should not have to be away from my own home because of the lack of thier own ability to report this could cause me death. Portfolio recovery was sent a demand letter for ten days and refused to answer they again lied. I want them held accountable for anything that happens to me as a result of my lowering quality of life. XXXX XXXX XXXX XXXX on a limited income. This is abusive, unethical and inhumane. The collectors are rude and disrespectful to me they are not following Elder laws. They wanted to have me file hardship papers for their gain they asked me to commit fraud. This clause this is the last attempt to resolve this on my own as we have the insurance for {$120.00} an hour reverse lawyer fees for the last XXXX years of us trying to get them to remove the debt. Its taking time away from my daughter, and myself, to tell them, and prove to them that XXXX was paid I provided all. My forms. ID bills statement etc. that the company had already been paid and that they bought debt from capitalone in XX/XX/XXXX after it had been paid in XX/XX/XXXX its unfair that the company folded and I had settled my debt. As a senior who got behind just because I was in XXXX and very sick after all of this requested. They continue to lie. They found themselves in favor without ever checking the email and provided that to XXXX never even checked. I asked for supervisors they had none there. I dont think theres any that exist. fill out form Im not in hardship I paid my debt Im not filling out forms just so they could skate bye on something that they did. I went. All of the marks pulled away from the three years of bad credit. They already closed the case they bought and XXXX in fear that theyre going to sell it to someone else it just keeps going on. 

Text letter of first The debt was paid in full on XX/XX/XXXX and convergent went under and had a breech also thousands of lawsuits during Covid which was when my mothers dept was paid and also during XXXX treatments. XXXX  XXXX then sold the collections to porfio recovery in XX/XX/XXXX and has left negative marks and poor payment history on her credit report and history we would like those removed as soon as possible and have also notified the three credit bureaus. XX/XX/XXXX Text of letter # 2 today 's call Today XX/XX/XXXX the customer service agent had no supervisor for me to speak to. Her reply was that they were " busy " when I asked her if she was working from home or unable to transfer me she said no " they busy again '' she remained nice but I kept declining the reopening of a case they took upon themselves to shut. I asked if they could call me she replied " no that I had to open another case and resend the forms. '' They don't have them. Again - I declined to open another case that they themselves close in thier favor I advised her ( the representatives ) that this was purchased by them not me and this is the discovery departments job to discover '' I had to repot into the credit bureaus and XXXX  XXXX as well as the old and new company information and phone numbers and addresses to poetfiolo I had did her job as far as discovery that they needed to file the hardship form. We will not do the work for a debt they bought that was paid we will not accept the negative marks poor history and want them removed It is not the consumers fault the last company did don't report this to XXXX XXXX and it's not the consumers fault that they sold her information to portfiol or thst portfolio bought into a bad batch. She still had a debt showing up in her collections with a score now showing at XXXX and this is to be resolved at thier doing, showing " closed '' as well as a bad payment history for three years after showing that this has been paid off they sent a letter expecting my XXXX to do hardship papers which she has no hardship they bought a batch of report clearly that was already paid off from a company that went under and changed its name which was provided AGAIN in the documents above. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The Consumer FinancialProtection Bureau ( Bureau ) commenced thiscivilaction on XXXX XXXX toobtaininjunctiveand monetaryreliefand civilpenaltiesfrom PortfolioRecoveryAssociates, LLC ( Defendant, asdefinedbelow ). The Complaint allegesthat, inconnectionwithitsdebtcollectionandfurnishingactivities, Defendant violatedsections 1031 ( a ) and 1036 ( a ) ( 1 ) ofthe Consumer FinancialProtectionActof 2010 ( CFPA ), 12 U.S.C. 5531 ( a ) ,5536 ( a ) ( 1 ) ; sections623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) oftheFairCreditReportingAct ( FCRA ), 15U.S.C.i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42and 1022.43ofRegulationV,12C.F.R.1022.42-1022.43 ; andsections807 and 814 ofthe Fair Debt CollectionPracticesAct ( FDCPA ), 15 U.S.C. 16920, 1692/.

The Bureauand Defendantagreetoentryofthis StipulatedFinalJudgmentand Order ( Order ), withoutadjudicationofanyissueoffactorlaw, tosettleand resolveall mattersindisputearisingfrom theconductallegedintheComplaint. 
FINDINGS 1. This Courthasjurisdictionoverthe partiesand action.

STIPULATEDFINALJUDGMENT AND-ORDER Last attempt demand notice for removal of debt and all negative marks : reference to civil code law violation of court order against portfolio recovery caseNo.2:23-cv-lio UNITED STATES DISTRICTCOURT EASTERN DISTRICTOFVIRGINIA NORFOLK DIVISION FILED Recovery Associates , LLC ( PRA ) and alleges the following : INTRODUCTION 1. PRA is a debt collector whose principal purpose is the collection of debts.

PRA also furnishes consumer information to consumer-reporting agencies ( CRAs ).

2. PRA collected millions of dollars using illegal deb-collection practices and engaged in unlawful credit-reporting practices that have impacted at least hundreds of thousands of consumers.

3. This is the second enforcement action that the Bureau has brought against PRA. In the first, the Bureau found that PRA violated multiple provisions of " Federal consumer financial law, including the Consumer Financial Protection Act of 2010 ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ), through its debt-purchase and collection practices. The Bureau resolved those findings through an order, to which PRA consented, issued on September 9, 2015 in In re Portfolio Recovery Associates, 514 Case 2:23-Cv-00110 Document 1 Filed 03/23/23 Page 2 of 25 PagelD # 2 ^ LLC ( Administrative Proceeding File No. 2015-CFPB-0023 ) ( the Order ). The Order required PRA to abide by certain conduct provisions.

4. Since the Order went into effect, PRA 's debt-collection practices have violated numerous Order provisions, along with the CFPA and the FDCPA. PRA collected on at least tens of thousands of debts that consumers disputed even though PRA did not take the required steps to substantiate the accuracy and validity of those debts. PRA collected on numerous debts without informing consumers the debts were too old to legally enforce or report to a CRA. When notifying consumers that they could be sued, PRA failed to offer to provide consumers with certain required documents. On hundreds of occasions, PRA failed to timely provide the documents it did offer. PRA 's failure to offer and timely supply the requisite documents likely affected consumers ' decision-making about whether to pay allegedly outstanding debts. And PRA sued thousands of consumers when it lacked proper documentation about the debt, and at times sued on debts that were too old.

5. Through these illegal practices, PRA collected millions of dollars from APR 13 2023 CLERK, U.S.DISTRICTCOURT NORFOLK.VA 12:36 Messages INJUNCTION AND OTHER RELIEF Portfolio Recover IMG_5919.jpeg The Consumer Financial Protection Bureau ( Bureau ) brings this action against Portfolio Recovery Associates , LLC ( PRA ) and alleges the following : INTRODUCTION 1. PRA is a debt collector whose principal purpose is the collection of debts.

PRA also furnishes consumer information to consumer-reporting agencies ( CRAs ).

2. PRA collected millions of dollars using illegal deb-collection practices and engaged in unlawful credit-reporting practices that have impacted at least hundreds of thousands of consumers.

3. This is the second enforcement action that the Bureau has brought against PRA. In the first, the Bureau found that PRA violated multiple provisions of " Federal consumer financial law, including the Consumer Financial Protection Act of 2010 ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ), through its debt-purchase and collection practices. The Bureau resolved those findings through an order, to which PRA consented, issued on September 9, 2015 in In re Portfolio Recovery Associates, 514 Case 2:23-Cv-00110 Document 1 Filed 03/23/23 Page 2 of 25 PagelD # 2 ^ LLC ( Administrative Proceeding File No. 2015-CFPB-0023 ) ( the Order ). The Order required PRA to abide by certain conduct provisions.

4. Since the Order went into effect, PRA 's debt-collection practices have violated numerous Order provisions, along with the CFPA and the FDCPA. PRA collected on at least tens of thousands of debts that consumers disputed even though PRA did not take the required steps to substantiate the accuracy and validity of those debts. PRA collected on numerous debts without informing consumers the debts were too old to legally enforce or report to a CRA. When notifying consumers that they could be sued, PRA failed to offer to provide consumers with certain required documents. On hundreds of occasions, PRA failed to timely provide the documents it did offer. PRA 's failure to offer and timely supply the requisite documents likely affected consumers ' decision-making about whether to pay allegedly outstanding debts. And PRA sued thousands of consumers when it lacked proper documentation about the debt, and at times sued on debts that were too old.

5. Through these illegal practices, PRA collected millions of dollars from consumers.

6. Because inaccurate reporting can negatively affect a consumer 's financial opportunities, the Fair Credit Reporting Act ( FCRA ) and its implementing Regulation V require furnishers like PRA to promptly and adequately respond when a consumer disputes the accuracy of a debt. In violation of these requirements, PRA failed on numerous occasions to timelv respond or reasonablv investicate when consumers Portfolio Recovery was already brought to action for the Same suit like myself this year and are non compliant. They are not working with any of the creditors nor are the creditors helping me. I want all of this removed and all marks taken off my record please help

Company response to consumer: Closed with explanation