Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I respectfully submit this formal complaint against Portfolio Recovery Associates ( PRA ) for a documented and repeated fraudulent pattern of litigation abuse, procedural harassment, and disregard for consumer protection laws. PRA deliberately engaged in a cycle of meritless, frivolous lawsuits and dismissals intended not to adjudicate claims, but to intimidate, exhaust, and harass me as a consumer and pro se defendant. 

Pattern of Abuse and Harassment Filing meritless, fraudulent suits without validating the debt beforehand. 
Voluntary dismissals before hearings to avoid scrutiny.

Delays and legal gamesmanship to increase hardship. 
Repeated misuse of judicial resources and my time. 
This conduct is not only harassing, it effectively weaponizes the legal system against consumers like me who are forced to defend against meritless suits or risk default judgments. According to the CFPB, 90 % of consumers do not show up to court or defend themselves, or hire a lawyer. Thats a pretty good return on your money. 

1. Case No. ( PRA ) Attorney XXXX XXXX delayed proceedings for four months, citing the need to secure a " very busy '' witness. Mere days before the evidentiary hearing, she filed a voluntary dismissal. This delay served no purpose other than to drain time, energy, and resources, demonstrating the case was without merit from the outset. 
XX/XX/XXXX, certified debt validation sent to PRA, no response from PRA. 
XX/XX/XXXX, PRA validated debt disputed with XXXX  and XXXX, no response from PRA to me. 
XX/XX/XXXX, again, PRA validated debt through XXXX XXXX and XXXX, no response from PRA to me. 
XX/XX/XXXX, filed suit against me. 
XX/XX/XXXX, I filed an appearance. 
XX/XX/XXXX, certified debt validation sent to PRA, responded with a fraud complaint form? Still no validation of the assignment. 
XX/XX/XXXX, preliminary hearing, XXXX XXXX requests a XXXX evidentiary hearing, due to her witness being busy, XX/XX/XXXX. 
XX/XX/XXXX, PRA voluntarily dismisses its complaint without prejudice. 

2. Case No : ( PRA ) Ongoing In the current case, I submitted a XXXX motion to dismiss on the grounds of lack of standing and failure to state a claim. No admissible evidence, assignment, or affidavit has been filed. Despite this, I have been compelled to prepare for a court hearing scheduled for XX/XX/XXXX, in a matter where no validation of the alleged debt has ever been provided, despite multiple requests.. 
XX/XX/XXXX, certified debt validation sent to PRA, no response from PRA. 
XX/XX/XXXX, PRA validated debt disputed with TransUnion and Experian, no response from PRA to me. 
XX/XX/XXXX, again, PRA validated debt through XXXX XXXX and XXXX, no response from PRA to me. 
XX/XX/XXXX, certified debt validation sent to PRA, responded with a fraud complaint form? Still no validation of the assignment. 
XX/XX/XXXX, PRA filed suit in the XXXX XXXX XXXX, XXXX XXXX, Illinois. 
XX/XX/XXXX, Filed a XXXX Motion to Dismiss. 
XX/XX/XXXX, scheduled preliminary hearing, the same day that they dismissed the other two cases, I was confused and did not show. 
XX/XX/XXXX, preliminary hearing, I was told I needed to ask for leave in order to file a Motion to Dismiss. The Motion was my rebuttal to consenting to court. 
XX/XX/XXXX, scheduled bench trial. 




XXXX

Company response to consumer: Closed with explanation