Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To whom it may concern : I recently find out the account of PRA reflecting on all my credit reports hurting my credit score. I have never signed any agreement with PRA regarding the present accounts for XXXX XXXX and XXXX XXXX. Both accounts are old accounts. 

I have tried to resolve both accounts by making an offer to PRA and explained my present circumstances by providing hardship documents ( Unemployment ) The first attempt, I have sent a letter a letter on XX/XX/XXXX making an offer of what I can afford ( 1st offered a 30 % ) ( {$910.00} XXXX XXXX and XXXX {$990.00} ) to settle both accounts ( without certify mail ) but felt was totally ignored by when receiving several bills over the mail from XX/XX/XXXX to XX/XX/XXXX in response. 

A second letter was sent on XX/XX/XXXX via certified mail along with the hardship documents to attempt to resolve both accounts. ( {$1000.00} for XXXX XXXX and XXXX {$1100.00} ) They responded to me with a letter dated on XX/XX/XXXX requesting " hardship documents '' and provided a " Permanent Hardship Request Form '' to fill out and within " 30 days ''. Along with only one bill with full balance ( XXXX XXXX ) and ignoring XXXX XXXX account. I got this letter around XX/XX/XXXX via mail. I have also provided previously hardship documents. 

Within few days I received another letter ( dated XX/XX/XXXX ) but received just yesterday ( XX/XX/XXXX ) stating " The letter confirms your arrangement made on XX/XX/XXXX with XXXX XXXX to settle the account '' for XXXX XXXX account only. 

But on the mid letter section stating : " ** The Sum of Remaining Payments under Payment Plan assumes all payments are made as agreed to under the plan**, '' Under : Sum of Remaining Payments under Payment Plan : {$1100.00} for XXXX XXXX XXXX Previously offered {$1000.00} on second letter offer ) This is very confusing to me. 

Is this a payment plan or settlement? I am not looking for payment plan. I am looking to SETTLE this account, close it and delete from all my credit reports. 

Please note : I have never spoke over the phone or mail or interact with name XXXX XXXX to settle both accounts. I have checked all bills received and none of this letters reflect XXXX XXXX. I have never made any phone calls to PRA. I only wrote the enclosed letters. Please see the enclosed documents for your review as proof.

Legally, I am exempt due to unemployment. This is my third month of unemployment. Please see the hardship copy enclosed as well. I don't feel well and I cant sleep.

Also, I have find out by doing a lot of research that PRA buy old or expired accounts cents by the dollar.

I am giving an opportunity to resolve both accounts. Before considering if filing Bankruptcy will be best option of relief as I have other multiple debts, in additon that I have lost my car and endiing with another bill. 

Many Thanks for your consideration and assistance in this matter. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation