Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX represented PORTFOLIO RECOVERY ASSOCIATES LLC in your court to obtain a motion for Writ of Garnishment against me, it was granted and executed on my bank account XX/XX/XXXX. 
XXXX XXXX XXXX XXXX certified to the courts, the Notice to Appear, Claim of Exemption and Request for Hearing, along with Notice to Defendant Regarding Garnishment was mailed to me at XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. This is my previous address from over eleven ( 11 ) years ago. I NEVER received any notices which they certified to the courts was mailed to me. Upon the discovery of the garnishment on XX/XX/XXXX, my bank provided copies at my request. 
PORTFOLIO RECOVERY permitted XXXX XXXX XXXX XXXX to purposely, intentionally, and deliberately mailed these notices to my previous address in bad faith while having knowledge of my last known address. 
I state PORTFOLIO RECOVERY permitted XXXX XXXX XXXX XXXX to implement these acts deliberately for the following reasons : XXXX XXXX XXXX XXXX is the legal representative for PORTFOLIO RECOVERY. 
PORTFOLIO RECOVERY LP has my last known address since XXXX. 
I have received documents from PORTFOLIO RECOVERY at my last known address this year. 
All correspondence from PORTFOLIO RECOVERY prior to XXXX XXXX XXXX XXXX utilized my last known address. 
After executing the Writ of Garnishment, XXXX XXXX XXXX XXXX mailed the Certificate of Service to my last known address. 
PORTFOLIO RECOVERY permitted XXXX XXXX XXXX XXXX to use their position within the judicial system to commit : Violation of F.S.77.055 Intentionally operating in bad faith not using my last known address.

Failed to furnish Notice of Garnishment to Defendant to my last known address within the allotted time of three to five ( 3 to 5 ) business days after issuance of the
Writ of Garnishment.

Certifying a true copy of these documents were furnished by US Mail to my last known address.

Denying my rights to receive timely notice to respond and protect my assets.

Violation of my civil rights denying due process of law under the Fourteenth Amendment of the United States Constitution.

Obstructing my right to due process.

Violation of FDCPA which prohibits from using unfair and deceptive practices.

Having knowledge of my current address while continuing to use my previous address to mail pertinent documents to delay
timely response prior to the execution of the

Writ of Garnishment.
Informing a third party of my debt- mailing pertinent court documents to my previous address.

Depicted, I intentionally and willfully chose not to respond to their actions against me. FDCPA 15 USC 1692e 807. ( 7 ) ( 10 ) Violation of Florida Bar Rules of Conduct by undermining the integrity of the justice system.

Intentional torts -abuse of process- knowingly using my previous address while in possession of my last known address.

Only mailing the Certificate of Service to my last known address, failing to mail all other notices. 
On XX/XX/XXXX, I spoke with XXXX XXXX XXXX, United Postal Service employee, who informed if in fact a document with my name was mailed to this address, the letter itself would have been returned to sender as the name would not have matched the address, in conjunction with a change of address being placed eleven ( 11 ) years ago.

I would like the courts to judge the following under FLA R CIV P 1.070 : 1. XXXX XXXX XXXX XXXX certified they mailed me at the XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX address, should have resulted in returned to sender per protocol of the U.S. Postal Service.

a ) XXXX XXXX XXXX XXXX failed inform the courts of the returned notices. 
b ) The intent by XXXX XXXX XXXX XXXX of using my previous address.

Under the FDCPA 15 USC 1692c 805. ( b ) 2. The Notice to Appear, Claim of Exemption and Request for Hearing, along with Notice to Defendant Regarding Garnishment mailed to the previous address contacting a third party of my debt multiple times.

Company response to consumer: Closed with explanation