Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Disclosure verification of debt Not given enough info to verify debt Michigan

-/-/-, Portfolio Recovery Associates tried to serve me with papers for court at my parent 's residence. I contacted the lady serving the papers so she could serve them at my correct address. When I got the papers, that was the - time I had been contacted by portfolio, to tell me they were taking me to court. I had not received mail prior to this attempt. The next morning, I called the Lawyer listed. I asked for verification because the amount they were charging me seemed ridiculously high. The lawyer said it was just fees and that if I did n't set up payments that day, I would be taken to court. I got scared and set up a payment plan that would come out of my checking account automatically every month. $50.00. My first payment was -/-/- The conversation with the lawyer led me to believe we had handled this outside of court. A letter that - mailed to me afterward also led me to believe this ( I will attach the letter ). Then, I get a notice saying I did not show up for our court hearing which was not in my jurisdiction anyway. When I


this is one reason they are currently being sued by others ) I truthfully did not recognize the amount I was being accused of owing. The judge told me to continue paying the $50.00 as I had been. I filed my federal and state taxes. My state taxes did not come. I called to find out that Portfolio had withheld my refund. I NEVER got notice they were going to do this. Not before, not during and not after. One of the biggest issues, aside from feeling like I am paying well above what I actually owe, is the way they report inaccurately to my credit reports. I believe it may be different with each agency. For certain with -, they are reporting as a revolving account '' which shows up as KD '' ( key derogatory ) which means I am getting reported as over 180 days late every month even though I am paying as agreed in court. They tell me that is a credit agency error and that I need to resolve with the agencies but all agencies assure me this is not the case. There is no transparency in this company and I feel like they word things to purposely confuse the client. I have asked Portfolio to correct the way it reports to my credit. They in return, made the situation worse by removing and re-adding which I felt was purposely done in retaliation. I have documents from Portfolio 's lawyer ( - ) where they state On or about -/-/-, - -, - Defendant '' ), entered into a Contract for certain credit with PORTFOLIO RECOVERY ASSOCIATES , LLC, - Plaintiff '' ) ... I never entered into a contract with portfolio. My contract was with - - - -. - is a debt buyer. Also, please see the letter attached. the Paragraph that begins Pursuant to Defendant 's request ''. In response to this, they say I was making payments and or partial payments up until -/-/- but they filed their motion a month earlier than that -/-/-. I had already made - on time consequetive payments by the time a judgement was entered against me. I have attached proof of those payments. The first - - - ) was processed before they filed their motion on - -.