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PORTFOLIO RECOVERY ASSOCIATES INC – CFPB Complaint

By on December 7, 2017

Date Received: 2017-10-06T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now XXXX XXXX and now sold as debt to Portfolio Recovery, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However XXXX, XXXX claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at Portfolio Recovery was started on XX/XX/XXXX, according to XXXX and XXXX. This doe n’t make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by XXXX XXXX to illegally extend the time limitations for almost 4 extra years. I called XXXX XXXX recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now Portfolio Recovery is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.

Company: PORTFOLIO RECOVERY ASSOCIATES INC

READ  Hunt & Henriques - CFPB Complaint

State/Zip: CA 926XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2695082

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