Portfolio Recovery Associates, Inc. Credit Card Complaint

Portfolio Recovery Associates, Inc. Credit card department,

Balance transfer California

I took out a credit card with - -, i was paying on promotional items and defaulted on my payments after a few years and was being sued by a law firm, I expressed to them that I had been paying on the promotional items that according to my calculations were paid off, they said they would look at this matter and just sent me a letter in - ( not the language in which we were communicating ) stating they looked into the matter and balance was owed. still thinking this was about the promotional item I kept fighting them on it. eventually we made it to court and I brought all my proof of payments. it was there that I finally learned that the balance owed was for a balance transfer that was done the exact month after I finished paying off my promotional items. so I kept thinking I was paying on that this whole time and never questioned the balance transfer. the credit card given to me was not a visa/master it was just a regular department store issued card being serviced by -. when I asked the attorney representing them where and how was this


was done. was it over the phone? was it check issued? and why would I be allowed to transfer another debt to a non - credit card?. since I was never informed of this I was not prepared for this in court. evidently we lost the case and we are now to pay them the entire balance plus filing fees. I want to request proof of this balance transfer and how it was done, there must be a recording, signature, check issed something. i do n't know where to request it from at this point. im attaching the statement they sent and some of the proof that was presented in court. i strongly feel this is fraud and would like an investigation done. why did n't the collections agency ever bother to tell me this was a balance transfer and not the promotional item i had so fully fought them on? if there is any other information needed or questions please feel free to contact me, or if you can direct me where to start with this. my name is : - -, address at - - - - - CA -, cell : -. portfolio recovery assc llc accnt # - email : --