Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card False statements or representation Attempted to collect wrong amount North Carolina

Portfolio Recovery Associates ( PRA '' ) is collecting on a debt allegedly owed to -. On or about - -, 2015, I disputed this account with all - credit reporting agencies and with PRA and requested validation of the debt. Immediately, the debt was verified with the credit reporting agencies. About two weeks later, I received mail from PRA with a cover letter indicating they had verified '' the debt. Included with PRA 's letter were - non-consecutive statements from - -, none of which provided any indication of how the balance on my secured card with a credit limit of $700.00 rose to nearly $2000.00 in a relatively short amount of time. After applying the


have received no reply. They do, however, continue to report a monthly 'charge-off ' to the - credit bureaus, making sure they do the maximum possible to completely ruin my credit score. I would note that a Missouri jury recently ( -, 2015 ) ordered PRA to pay over $83.00 - in damages to a woman whose credit they ruined without any concern. I have no problem paying my debts but it would seem to me that if they applied my security deposit and closed my account, my balance should be settled. To apply my deposit AND claim I owe an additional $1200.00 is outrageous, and to ruin my credit monthly because I want to know the nature of how this was calculated is truly unfair.