Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card Taking/threatening an illegal action Threatened to sue on too old debt Kansas

I am writing you regarding the ADMINISTRATIVE PROCEEDING File No. -Consent order as I am a Restitution Eligible Consumer. I am asking for a full refund of $2700.00 and that all references to this account be deleted from all of my credit reports. I would be very grateful if this could be resolved. Please see that Portfolio Recovery Services is in compliance with the order. I made payments directly to Portfolio Recovery Associates on a time-barred debt collection account that was too old for litigation. I received several letters that contained time-limited settlement offers that failed to disclose that the debt Portfolio was collecting was too old for litigation. The letters contained statements creating a sense urgency. Some of the statements were These savings wo n't last long '' and


Your first payment must be received NO LATER than the date in the attached letter '' and Your account will be considered 'Settled in Full ' after your final payment is posted. From -/-/- through -/-/-, I received letters implicating the alleged debt was selected for future legal action based on reviews by attorneys. I was bullied into to making payments after receiving calls from PRA 's Litigation Department and made several payments. The Debt had not yet been placed with an attorney ; and I was not informed during the call that the Debt had not been reviewed by an attorney. I was told that if I did n't make payments Portfolio Recovery would move forward with the litigation process unless and that the only way to stop the lawsuit would be to pay right away. From -/-/- through -/-/-, I repeatedly disputed the validity of the account that Portfolio was trying to collect on. I sent validation and verification dispute letters to Portfolio and I also disputed information on my credit reports, including -, - and - and in each response Portfolio replied that information that was accurate, complete and reliable. From -/-/- through -/-/-, I repeatedly advised Portfolio Recovery Associates that significant inaccuracies existed on my credit reports and the collection documents Portfolio sent me and the phone calls I received. In each instance, Portfolio responded to Credit reporting agencies that information reported was verified ''. From -/-/- through -/-/-, Portfolio Recovery Associates repeatedly called my cell phone. When I answered the calls and tried to communicate and resolve and dispute the alleged debt, Portfolio Recovery Associates told me that calls placed to my cell phone could only be prevented before - and that I should authorize Portfolio to call in the future. Since -/-/- I have filed several complaints with the FTC, I have not received any responses. I am so happy that your agency stepped in and took action. Finally, and most importantly I am asking that full refund of $2700.00 be issued and that Portfolio follow the terms of the order.