Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC ( " XXXX '' ) for numerous violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Texas Debt Collection Act ( Texas Finance Code 392.001 et seq. ), and other applicable laws. Portfolio Recovery Associates has engaged in deceptive, unfair, and abusive debt collection practices in their attempts to collect an alleged debt that I formally dispute. 
DETAILED ALLEGATIONS XXXX. XXXX XXXX and XXXX XXXX filed suit against me in XXXX XXXX ( XXXX XXXX ), which is not my county of residence. I reside in XXXX XXXX ( XXXX XXXX ), Texas. This improper venue selection violates 15 U.S.C. 1692i and Texas Civil Practice & Remedies Code 15.002, which require debt collection lawsuits to be filed in the county where the consumer resides or where the contract was signed. The service of process was also defective, as documented in the Return of Service ( page 15 of the exhibits ), which shows service was attempted at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an address unrelated to me. 
2. Statute of Limitations Violations The alleged debt is time-barred and PRA is prohibited from pursuing collection. According to the account documentation, the date of first delinquency was XX/XX/XXXX, the last payment date was XX/XX/XXXX, and the charge-off date was XX/XX/XXXX. Under Texas Civil Practice & Remedies Code 16.004, the four-year statute of limitations for credit card debt expired no later than XX/XX/XXXX, well before the current collection attempts. The continuing collection efforts on this time-barred debt violate 15 U.S.C. 1692e. 
XXXX. Failure to Validate Debt Despite my formal debt validation request sent on XX/XX/XXXX pursuant to 15 U.S.C. 1692g, PRA failed to properly validate the debt. My request specifically asked for : Proof of their registration as a debt collector in Texas Copy of their surety bond filing with the Texas XXXX of XXXX XXXX chain of title for the alleged debt Original account agreement and statements Documentation showing their authority to collect in Texas XXXX of the amount claimed Proof that the statute of limitations had not expired PRA responded with incomplete and insufficient documentation that fails to establish their legal right to collect this debt. 
XXXX. Incomplete and Defective Documentation The documentation provided by PRA contains numerous deficiencies : a ) Incomplete Bill of Sale : The purported bill of sale ( pages 39-40 ) contains blank spaces for critical information, including the purchase price. It fails to satisfy the requirements established in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX [ XXXX Dist. ] XXXX ). 
b ) Missing Forward Flow Agreement : Despite repeated references to a " Forward Flow Receivable Sale Agreement dated XX/XX/XXXX, '' this document has never been provided, violating standards set in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Mo. XXXX ). 
c ) Failure to Identify Specific Account : The bill of sale references only an electronic file " XXXX '' without any evidence that my specific account was included in this file, failing the standard set in XXXX XXXX XXXX XXXX XXXX, No. XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX. XXXX, XXXX ). 
d ) Incomplete Account Statements : Only partial, discontinuous account statements were provided that fail to show the account 's full history, contrary to requirements in XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX. App.Houston [ XXXX Dist. ] XXXX ). 
XXXX ) Inconsistent Balance Information : The claimed amount ( {$4100.00} ) differs from XXXX XXXX 's final balance ( {$4000.00} ) with no documentation explaining the {$130.00} difference, violating 15 U.S.C. 1692e ( 2 ) ( A ) and XXXX XXXX XXXX XXXX ( a ) ( XXXX ). 
XXXX. Continued Collection During Dispute PRA acknowledged receiving my dispute in their XX/XX/XXXX letter, stating " Our office has not had sufficient time to complete an investigation of the dispute. '' Despite this acknowledgment and my formal dispute, PRA continued collection activities in violation of 15 U.S.C. 1692g ( b ), which requires cessation of collection activities until the debt is verified. This is evidenced by their pursuit of post-judgment discovery even while acknowledging the ongoing investigation. 
XXXX. Improper Default XXXX XXXX obtained a default judgment on XX/XX/XXXX, in a court lacking proper jurisdiction, and without providing proper service or establishing ownership of the debt. The circumstances surrounding this judgment suggest it was obtained through procedural irregularities. 
XXXX. Privacy Violations As noted in the debt validation rejection letter ( pages XXXX ), XXXX 's XXXX reveals they shared my partial Social Security Number ( ending in XXXX ) without my consent, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ), and Texas Finance Code 392.304 ( a ) ( 12 ). 
XXXX. Misrepresentation of Registration Status Investigation has revealed that XXXX XXXX not be properly registered and bonded with the Texas XXXX of XXXX as required by XXXX XXXX XXXX XXXX. Operating without proper registration is a violation of Texas law. 
SUPPORTING DOCUMENTATION I have attached all relevant documentation supporting these claims, including : My formal debt validation request ( XX/XX/XXXX ) XXXX 's insufficient response ( XX/XX/XXXX ) My debt validation rejection letter ( XX/XX/XXXX ) XXXX 's acknowledgment of dispute ( XX/XX/XXXX ) Default judgment ( XX/XX/XXXX ) XXXX XXXX account statements showing inconsistent balances Bill of sale documentation with deficiencies Court citation showing incorrect venue Return of service showing improper service

Company response to consumer: Closed with explanation