Consumer complaint received 2026-01-29 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: MD

Complaint narrative:
.Allegedly there was a court date and time set for a hearing in XXXX of XXXX. In XXXX of XXXX according to court documents the documents couldn't be served upon me because there was no answer to the door. After XXXX days Petitioner requested an alternate service to proceed with a court trial and was granted and given a default judgement. At the time I didn't live at the address of Service and actually only ever had mail sent there because I was homeless at the time. I never even got any mail from there just used the address as needed because you have to have an address to use for certain things as they wouldn't take my XXXX XXXX XXXX 
In XXXX of XXXX a judgment was granted. 
I knew nothing of all this until I finally got a stable employment and they started taking my money. I tried to fix my credit and that's when I learned of all the issues. We are now in XXXX as of that garnishment. 
As I started working on my credit I tried to call the company and asked if they would workout something beings how I was never properly served and at this point they had recieved back more than half what was owed. I thought it would be fair that they now dismissed it as paid because if they had reached out to me they would've even offered some sort of percentage pay off to be done with it. Well, they said no. I asked to speak with the attorneys office and I was told the attorneys handling it wouldn't speak with me. So in XXXX XXXX, I tried to file to vacate the judgement and have them refund my money. Well, they didn't even issue a court date. My motion was denied. For the record XXXX XXXX XXXX XXXX  have always had an issue of lying and saying they have served people when they actually have not. I really wish they would get held to more stringent laws before just taking their word. They have got many people caught up behind their lies. I even had to face one in court on something completely different. The judge still sided with the servicer, and we had to proceed to trial but I won my case because of different issue. If you know anything about XXXX XXXX, its prodominance and well most of their judges are the same and just as incompetent. I think they feel that everyone one they have coming through is one color and all the same. They treat the cases like cookie cuts. However, there is another judgement around the same time as this one having the same problem with. That one I did get a court date for. I came to court and stated my case, the other company did not even show up, the judge still didn't vacate the judgement. If that was me not showing they would have done exactly what they did grant the Petitioner who showed up. But when the other side didn't show up, they just said oh well, we can schedule you to come back and bring ya family member and then pretty much just left it as is. 
In this current case, I seek relief because I was never served and have been paying on a default judgement for a XXXX now. I asked to have it vacated and the courts didn't see fit to do that. I tried calling the attorney and the company and no one can help.

Company response to consumer: Closed with non-monetary relief