Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This complaint is XXXX of XXXX prior complaints filed through your office against this debt collector, Portfolio Recovery Associates in past and have received responses back. Last complaint against this company, Portfolio Recovery Associates was on XX/XX/XXXX and received a response back from the company on XX/XX/XXXX. The ending statement was Portfolio Recovery Associates would cease all communications with me regarding this alleged account unless otherwise permitted or required by acceptable law. This was in response to my letters of cease and desist and requested documents as to this alleged debt sent certified mail on XX/XX/XXXX with signature required as delivery confirmation. This information was received by Portfolio Recovery Associates on XX/XX/XXXX @ XXXX pm as seen in documents provided in this complaint. While awaiting the documents I requested an investigation by the credit bureaus on this on XX/XX/XXXX. As to the outcome investigation, this alleged account # XXXX was deleted from my credit report as a result of the original creditor, XXXX XXXX  in a customer assistance program I was in and completed paying back a certain portion, the balance was forgiven by XXXX XXXX  in a XXXX form. This ongoing and harassing contact by Portfolio Recovery associates as to this alleged debt has continued which resulted in XXXX prior complaints with the XXXX XXXX XXXX XXXX. Ive sent a cease and desist letter along with requests for specific documentation to this alleged debt but since sending these letters on XX/XX/XXXX to Portfolio Recovery Associates and received by Portfolio Recovery Associates on XX/XX/XXXX I have or received Any of my requested documents from either XXXX  nor Portfolio Recovery Associates since. In my last complaint to Portfolio Recovery Associates, I stated I would file a more formal complaint, possible criminal or civil complaints if this harassment continues. Now, today, XX/XX/XXXX I received ANOTHER letter from Portfolio Recovery Associates with identical information as to this alleged debt along with XXXX or XXXX statements from my past XXXX  XXXX  account that has nothing to do with this past account being in a customer assistance program that was completed but thinks gathering XXXX or XXXX old statements from the original account is somehow proof of a debt. This is just an ongoing, harassing, intimidation tactics this company, portfolio Recovery associates continues to choose, ignoring my demands to cease and desist communication with me, not providing requested specific documents in my certified letter sent on XX/XX/XXXX and received via signature verification on XX/XX/XXXX but to date, has not responded or sent the requested information I demand as per the law under the Federal Fair Debt Collection Act ( 15 USC 1692c ). Receiving this new letter today as to this alleged debt is now enough proof of repeated illegal and ongoing harassment and intimidation tactics by Portfolio Recovery Associates after demanding to stop all communication and refusing provide the documents Ive requested. The additional investigation by the credit bureau in removing this item from my credit report is further proof this company, Portfolio Recovery Associates is illegally continuing to contact me, causing me stress and anxiety issues. I am sending another certified mail, with signature required of cease and desist letter along with additional information AGAIN to portfolio recovery associates and will use all documents in prior reports, letters and documents to file a small claims complaint against Portfolio Recovery Associates through my attorney Im now speaking with, asking for relief in violation of the FDRA and my rights under such federal laws.

Company response to consumer: Closed with explanation