Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have never done business or provided Portfolio Recovery written instructions. 
The company has not provided legit documentation, I have yet seen. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 1. A copy of the contract signed by both parties and therefore binding both parties. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 2. ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of XXXX and what actions s/he has taken in relation to this account. 

Portfolio Recovery is collecting debt outside of the statue of limitation, threatening and filing collection suits without the intent to prove the debt. Filing false or misleading affidavits in debt collection actions, making false or misleading representations. 

Portfolio Recovery did not provide the required disclosures to consumers when collecting on debts beyond the statue of limitations. 

A letter was sent out on XX/XX/XXXX XXXX. A complaint was failed with the CFPB and still no resolution, this is my second complaint against Portfolio Recovery with the CFPB. 

I also called XXXX to get this account removed and they couldn't verify me and continued to hang up on me and still has not validated the debt. 


I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date, to validate the debt, has now constituted your agreement to the following terms : That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages I suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further. You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule $ ( XXXX what they are claiming ) for dishonoring our agreement, XXXX per hour or part of it of Authorized Representatives time nunc pro tunc, {$1000.00} per recorded delivery or any other form of response nunc pro tunc also any further contact is now not necessary, if however you deem a need to contact me by phone or letter the fee is {$100.00} per item payable in advance, place the check in the envelope, if no payment is made in advance the fee will rise to {$1000.00} per item and you will also be held culpable for any cost incurred while recovering the debt you owe.

Company response to consumer: Closed with explanation