Consumer complaint received 2024-12-21 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: NJ

Complaint narrative:
This complaint is directly related to many, some open at this time, some closed with repetitive, frequent false and misleading claims and would now is, with this complaint, be considered ongoing harassment, intimidation and abuse by this debt collector, Portfolio Recovery Associates thats not only illegal, violations of the Federal Fair Credit Collection Act but also of my rights as a consumer. After several complaints with the department of consumer affairs, several complaints filed with the Federal Trade Commission and just recently, a complaint with supporting documents sent to the state attorney generals offices for review and possible violation actions to be taken against Portfolio Recovery Associates for this same, ongoing dispute. Portfolio Recovery associates has been advised in XX/XX/XXXX with letters of cease and desist demands as to communication with me to stop and letters of debt verification documents, with specific information requested but Portfolio Recovery Associates have not provided, but instead sent a a few old monthly statement bills with another creditor that has already been settled with a customer assistance program. Recently in a complaint filed on XX/XX/XXXXXXXX XXXX XXXX  XXXX Portfolio Recovery Associates responded with again, repetitive, inaccurate and misleading information along with a misleading description of understanding of stating We are committed to extending courtesy, dignity and respect to customers going through times of hardship. This descriptive response is misleading as to this alleged debt is somehow authentic and not addressing the dispute or the issue. In this complaint on XX/XX/XXXX and a response was made on XX/XX/XXXX, Portfolio Recovery Associates further stated communication with me would be temporary suspended regarding this alleged debt. On XX/XX/XXXX, the very next day, Portfolio Recovery Associates called my home phone XXXXXXXX XXXX XXXX XXXX XXXX XXXX   and then my cell phone XXXX XXXX XXXX XXXX XXXX This after just being advised to cease and desist AGAIN in this recent complaint filed on XX/XX/XXXX with Portfolio Recovery Associates responding on XX/XX/XXXX of a long, drawn out excuse filled with misleading information about this alleged debt is proof of ignorance of the law, violation of my rights that are none stop and are online with past violations and heavy fines placed on Portfolios Recovery Associates by the Federal Government department of consumer affairs in XXXX then recently in XXXX. Due to the recent again, ignoring my cease and desist demand and complaints with the department of consumer affairs, a pending complaint was again filed against Portfolio Recovery Associates on XX/XX/XXXX directly to portfolio recovery associates calling my home and cell after just being informed and responding by stating they would temporarily stop communication in there response. Now today, I received another form of communication letter from Portfolio recovery associates as to this alleged debt that has several complaints already have been filed and some with response back an two pending for violations after such complaints. This is just repetitive ongoing harassment and intimidation tactics by Portfolio Recovery Associates that does not respect my rights but also is more alarming is the disrespect for the Federal Fair Debt Collection Act that has been violated over and over by Portfolio Recovery Associates and by these repeated complaints is very much aware of this law concerning the rights of consumers and is also aware of there blatant violations of the Federal Fair Debt Collection Act. It should be also pointed out, Portfolio Recovery Associates has a history of violating this Federal Fair Credit collection Act, providing misleading affidavits in debt collection actions, misrepresented that they intended to prove the debt if customers contested them. Now today, receiving this letter, see attached, is another intimidation tactic and ongoing harassment from Portfolio recovery associates AGAIN as to this same ongoing alleged debt, now sending letters of misleading intent of apologizing for me experiencing difficult circumstances and are willing to extend this alleged account for permanent hardship and requesting personal information as seen on the attached pic of such information. Again, after many many complaints to this alleged debt, already sent legal letters of cease and desist along with requests for specific information for debt verification but not receiving such in an XX/XX/XXXX communication, sent certified mail with signature required and received that Portfolio Recovery Associates did receive, has continued to violate my rights and the Federal Fair Debt Collection Act over and over without being held accountable is outrageous, unethical and illegal. This complaint, along with all other discovery evidence documents are being forwarded to now, legal counsel Ive spoken with and Portfolio Recovery Associates will receive notification of very soon. Im now asking the department of consumer affairs to bring this ongoing, multiple complaints and ongoing harassment and intimidation tactics by a debt collection agency that comes under the department of consumer affairs department for protection of consumer rights to take some kind of action or forwarding this to the appropriate agency that can hold this company in violation of the law with possible financial fines or other legal action seemed appropriate to stop this

Company response to consumer: Closed with explanation