Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
To whom it may concern : I have received the response from my CFPB complaint regarding not receiving documents from you. I still dispute the fact of receiving anything from Portfolio Recovery Associates ( PRA ) in XX/XX/XXXX. However, I was able to do some research based on your response to CFPB. 

We ( Myself and PRA ) were in communication regarding the XXXX XXXX account back in XX/XX/XXXX. In fact, once I was able to research my notes and email, I see several concerns as I did in XXXX. First off, back in XXXX, I altered you this account balance was possible fraud. I had requested payment history, account history and summaries, along with any detailed transaction history that may be obtained. 

Please note, as I stated in XXXX and now, I had fraud on another store card back in XX/XX/XXXX-XX/XX/XXXX. This fraud was on my XXXX XXXX card. I believed then and now that my XXXX XXXX balance may too reflect fraudulent charges. XXXX/ XXXX was able to obtain my purchase history and upon investigation, they determined the fraud charges. 

When XXXX XXXX first contacted me, I informed them of my then current situation with XXXX and requested the same documents I request now. In fact, at XXXX XXXX, I spoke with XXXX XXXX ( XXXX, ext. XXXX ) back in XXXX per my notes. 

No documents were sent upon my multiple requests. My account was sold/ moved to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. I made the same requests and that company stated they were pushing it back to XXXX XXXX. 

Per my notes, I spoke with XXXX at PRA on XX/XX/XXXX. XXXX said the at the time that the account records have not hit her system yet. She stated it would take a week or so at that time, but she would call me once they records were obtained. 

She also gave me the contact for XXXX XX/XX/XXXX ( XXXX ) and stated I could get some information from there as well. I was contacted in XX/XX/XXXX from PRA. Again I asked for documents of the account. I was told to dispute the account PRA by emailing XXXX. I sent an email on XX/XX/XXXX with the dispute. 

XX/XX/XXXX I received an alarm from my credit card company stating a change on my report. PRA has marked me as delinquent account. I submitted a complaint to CFPB. 

I have been more than patient and tried to contact research this account with XXXX XXXX and PRA several times in the past, as you can see above. I again, plead to have a copy of the account payment history, and any transactions that are archived. This is unfair to post to my credit report as I have stated this account has fraudulent charges/ balance on the account on numerous occasions. 

This is causing my severe mental destress and increasing the number of XXXX XXXX I am being treated that are being medically treated. I have done everything in my power to request documents from XXXX XXXX and PRA. 

Please send me the information requested so I am dispute the fraudulent charges. Please contact me by email ( XXXX ) or by my address on file. 

Thank you, XXXX

Company response to consumer: Closed with explanation