Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I was blindsided by a {$9800.00} " XXXX XXXX debt '' showing as closed on XX/XX/XXXX, derogatory on XXXX XXXX XXXXwhen I paid my XXXX XXXXXXXX bill and checked my credit score recently. 

I had no clue it existed or that Portfolio Recovery ( PR ) was behind it all until now. Since XX/XX/XXXX, PR has bombarded me with 34 excessive calls from mutiple different area codes and multiple different phone numbers usually Thursday 's, Friday 's Saturday 's & Sunday 's even after I previously blocked countless other numbers from PortfolioRecov on caller ID each time & recently add Tuesday on top of it. This isnt just a coincidenceits false representation ( 1692e ) with full fact pattern proving intent to harass ( 1692d ), dodging my call blocks to torment me over a debt I didnt even know about. 
PR never sent the required FDCPA 1692g ( a ) notice within 5 days of first contactno proper notice, no 30-day dispute right given. Theyve provided no verification of the alleged debtno original agreement per XXXX692f ( 1 ) to authorize {$9800.00}, no proof at alljust relentless, harrassing calls & now a derogatory mark on my credit. As of XX/XX/XXXXXXXX  Ive logged over 34 calls ( dates, times, numbers ), thats not even counting the prior PR numbers I blocked excessive, harassing, and unfair ( 1692f ). 

XXXX was my only heads-upPRAs tactics are predatory, unfair, misrepresenting their identity across area codes & phone numbers to deceive and pressure me. 

This violates FDCPA : Harassment : 34+ calls, from multiple numbers since XXXX XXXXXX/XX/XXXX 1692d, repeatedly or continuously. 

False Representation : Same caller ID, different numbers 1692e, deceptive means with intent to harass. 

No Notice : No 1692g ( a ) noticecompletly blindsided me.

No Verification of alleged debt : No original agreement, no validation 1692g ( b ), 1692f ( 1 ).

Unfair Practices : Evading call blocks 1692f. 


Whats Unfair I was completely Blindsided : Found this debt on XXXX hid it, no 1692g ( a ) notice. 

Excessive Calls : over 34 calls, across area code & multiple different numbers since XX/XX/XXXX, post-previous PR blocks it's mentally overwhelming. 

Harassment : Nonstop & 100 % intentional 1692d. 

False Representation : PortfolioRecov on every caller ID, they just rotate spoof numbers XXXX deceit. 

No Verification : No original proof 1692f ( 1 ) unauthorized. 


Note ; Call log avail if needed, here is the list of XXXX calls since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing closed, derogatory

Company response to consumer: Closed with non-monetary relief