Debt collection -- Communication tactics -- Complaint #11425677

Complaint Overview

Complaint ID: 11425677

Company: Portfolio Recovery Associates, LLC

Product: Debt collection

Sub-Product: Credit card debt

Issue: Communication tactics

Sub-Issue: You told them to stop contacting you, but they keep trying

State: Texas

ZIP Code: 77584

Date Received: 2025-01-07T12:00:00-05:00

Date Sent to Company: 2025-01-07T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX SXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Cease and Desist Letter To Whom It May Concern, I am writing to formally demand that Portfolio Recovery Associates , LLC immediately cease and desist all communication with me regarding the alleged debt referenced in your correspondence. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Your continued attempts to contact me regarding this matter, if not in compliance with the FDCPA, could be considered harassment under the law. In XXXX XXXX XXXX, 514 U.S. 291 ( 1995 ), the Supreme Court reinforced the applicability of the FDCPA to debt collectors, and violations of these provisions will not be tolerated. Additionally, in XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, 559 U.S. 573 ( 2010 ), the XXXX emphasized that debt collectors are responsible for compliance with the FDCPA, and ignorance of the law is not a valid defense. I no longer wish to be contacted regarding this matter by phone, mail, email, or any other form of communication. All future correspondence must be limited to written notices as permitted by law and only to inform me of any specific legal actions you intend to take concerning this alleged debt. Additional Requests Verification of the Alleged Debt : Provide detailed documentation to validate the existence of this debt, including the original creditor 's name, the date of the debt, and the exact amount claimed. Confirmation of Compliance : Acknowledge in writing that you have recorded and will honor this cease-and-desist request in accordance with FDCPA regulations. Notice of Rights This letter does not serve as an acknowledgment or admission of the validity of the debt in question. Any attempt to pursue collection activities after receipt of this notice, except as explicitly permitted under the FDCPA, may be considered willful noncompliance. Such actions will compel me to take further steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's Office, and pursuing appropriate legal remedies. I expect your written confirmation of this cease-and-desist request within 10 business days of your receipt of this letter. Please direct all necessary correspondence to my address listed above. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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