Consumer complaint received 2025-10-17 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: AZ

Complaint narrative:
CFPB Complaint & Dispute Letter 1. CFPB Complaint Summary I am filing a formal complaint against Portfolio Recovery Associates LLC and XXXX XXXX XXXX for aggressive and unlawful debt collection practices.Despite timely submitting a Debt Validation Demand, the response I received lacked any substantial validation or documentation. Nevertheless, the Plaintiff continued to escalate legal actions against me, including motions in bad faith such as the denied Motion to Compel Arbitration. These actions placed an undue legal and emotional burden on me, all while violating the FDCPA ( 15 USC 1692g and 1692e ) and potentially the FCRA if credit reporting was impacted.The company proceeded with legal action in a forum not contractually agreed upon, ignoring my right to arbitration under the original XXXX  XXXX agreement. I request a full investigation into these practices, including all communications and court filings related to this matter.Requested Resolution : - Immediate withdrawal of the case from the current court and referral to private arbitration as per the governing contract.- Cease all further collection efforts until proper arbitration procedure is followed.- Remove any derogatory credit reporting resulting from this unlawful collection activity.- Financial penalties and corrective action as deemed appropriate by the CFPB. 








2. Follow-Up Dispute Letter to Portfolio Recovery Associates Portfolio Recovery Associates , LLCXXXX XXXX XXXX, XXXX XXXX, VA XXXXDate : XX/XX/XXXX, XXXX : Follow-Up Dispute and Notice to Cease Collection EffortsAccount Reference : [ Insert Account # or Reference ] To Whom It May Concern : I am writing in reference to the above-mentioned alleged debt. This is a formal follow-up to my previously submitted Debt Validation Request, to which I received a vague and insufficient response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt in its entirety.You have failed to provide legally required documentation validating the debt, such as the original signed contract and a full accounting of charges. Moreover, your continued pursuit of legal action, including improper attempts to avoid contractually mandated arbitration, constitutes a breach of my consumer rights.You are hereby notified to immediately:1. Cease all collection activity, including court proceedings, until the debt is properly validated.2. Honor the binding arbitration clause of the governing credit agreement.3. Remove any credit reporting entries made as a result of this unvalidated debt.This letter shall also serve as a notice of complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies.Failure to comply will result in further legal actions and regulatory escalation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX

Company response to consumer: Closed with non-monetary relief