Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card Taking/threatening an illegal action Sued w/o proper notification of suit Georgia

This complaint is regarding a debt of which I - - advised the company PRA Portfolio Recovery Associates LLC. that I would pay a settlement or a portion of the amount owed by my son - -. My son - - gave PRA permissin to speak with me regarding his account. Arrangements were made on -/-/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from PRA.. In order to to settle the debt which the original amount owed was $2600.00 however, the settlement I agreed upon was made for total of $1800.00 a difference of $800.00 taken off the original balance. The agreement made included giving PRA permission to debit my checking account beginning -/-/2015 in bi weekly in the amount of - to conclude when the total balance of $1800.00 was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions -/-/2015 and again on -/-/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. - representative told me on -/-/2015 that PRA


I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. - - should have been notified of any or all legal actions by PRA prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.