Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
These 2 company which I am thinking might be same are stating they are in collection for so called same XXXX XXXX Acct. I do not even know who owns acct because both are contacting. I have asked for validation of debt and also file XXXX report to get info and be clear it is my right to acquire the info but have not receive any info. I am currently in process of moving and traveling. I search court record and found out XXXXXXXX Portfolio Services has started a court process without sending me info. I think they also sent a processor which I was not there but the person knocked so hard shaking the house on a Sunday at XXXXXXXX XXXX XXXX  and also yelling my name outloud.It frightened my daughter who recently was traumatized with a home invasion. If I was there then I would have called the police. I am still not home but I think this entity has continued to harass with fear tactic. I find that quite disgusting wen they have not even bother to properly send information that is my right to receive.

Statisctic shows 90 % default on credit sued in court and proceeding to garnish wages. These 2 entities especially Portfolio Recovery have a history of doing this and has loss acourt case and penalized with their unethical practice citing case Green v. Portfolio Recovery Associates , LLC with violation as follow FDCPA Violations : Green might be alleging that PRA engaged in practices prohibited by the FDCPA, such as : Harassment or abuse.

False or misleading representations.

Unfair or unconscionable collection methods.

Failure to provide proper validation of the debt.

I think that there needs to be an audit of how many people these 2 entities use the court tactic to just get a default judgement without even attempting to make sure they send proper request information. Statistically 90 % default becasue of this tactic. They have found a fear tactic loop and they should be banned from doing this and brought to justice. This act clutters frivolous court case and a violation of all that they were fined in the case above and another case. 

XXXX XXXX also seems to keep their hands in all this even though they state they have assigned. 

How can a court case be started when it seems like one of them or both just receive the so called account on XX/XX/year> this year? 

Please research this and do not allow a repeated offender continue this to others also in this hard time for many consumers. People should not be scared of court or Govt .. It is there to protect consumers and these people have chose to misuse it as a scare tactic and hunting down people like criminals even though they have not due diligent provide the necessary informations consumers have the right to. Please feel free to call me at XXXX if you need more details. 

Appreciate it if you can help me because I really do not know which one to deal with and in all honesty I prefer all this is documented. 

Truly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX

Company response to consumer: Closed with explanation