Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX Portfolio  Recovery Associates , LLC XXXX XXXX XXXX XXXX CA XXXX Re : Cease and Desist Collection Efforts Account No : XXXX / Account No : XXXX To Whom It May Concern : I am writing to formally request, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that Portfolio Recovery Associates , LLC immediately cease and desist all further communication and collection activities regarding the above-referenced account.

Under the FDCPA, you are prohibited from continuing to contact me or pursue collection actions once I have requested that you cease communication. Continuing to do so constitutes harassment and is a direct violation of federal law.

Legal Basis The following legal references support my demand : FDCPA 1692c ( c ) : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer. '' Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case affirms that the FDCPA applies broadly to all debt XXXX engaged in collection activities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that violations of the FDCPA provide the consumer grounds to pursue damages. 

XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) : Repeated communication after a cease-and-desist request violates the FDCPA and subjects the collector to liability. 

Your Legal Obligation From this point forward, you are prohibited from contacting me via phone, mail, email, or any other medium.

Any further attempt to collect this debt or contact me will be construed as a willful violation of the FDCPA, and I will not hesitate to pursue legal remedies, including statutory damages of up to {$1000.00} per violation, as well as attorneys fees, under 15 U.S.C. 1692k.

This letter serves as formal notification that I dispute the validity of this debt. Therefore, under 15 U.S.C. 1692g ( b ), I request that you provide complete verification of the debt within 30 days. I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a certification from the Creditor that certified the accuracy and completeness of the information/account including my signature. Failure to comply with this verification process will result in further action.

Summary of Demand : Cease and desist all communication immediately.

Provide written verification of the debt, if applicable, as required under 1692g. 
Failure to comply with this request will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, as well as consider civil litigation. 

Please confirm, in writing, that you have received and will honor this cease-and-desist request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief