Lindor V. Portfolio Recovery Associates, LLC, Case No. 2:26-cv-06008

Primary Source: View Original Complaint (PDF)

Facts as Alleged in the Complaint

The following is taken verbatim from the complaint filed in federal court. These are allegations; no finding of fact has been made.

The Parties

8. Plaintiff Lindor is a natural person, who resided in Chester, Pennsylvania at all times relevant to this action.
9. Plaintiff is a “consumer” as that term is defined by 15 U.S.C. § 1692a(3).
10. Defendant PRA is a corporation with principal place of business, 120 Corporate Boulevard, Norfolk, Virginia 23502.
11. Defendant is a “debt collector” as defined by 15 U.S.C. § 1692a(6) of the FDCPA.
12. Defendant sought to collect a “debt”, as defined by 15 U.S.C. § 1692a(5) of the FDCPA.
13. Defendant acted through its agents, employees, officers, members, directors, heirs, successors, assigns, principals, trustees, sureties, subrogees, representatives, and/or insurers.

Factual Allegations

14. At all times relevant to this matter, Plaintiff was the customary user of a cell phone, the number for which was (267) XXX-0614.
15. Sometime in or around early June of 2026, PRA began in a campaign of relentless debt collection calls to Plaintiff’s cell phone to collect an alleged credit card debt.
16. On June 9, 2026, Plaintiff received an email from PRA, attempting to collect that alleged credit card debt.
17. The alleged debt arose out of transactions which were for personal, family or household purposes.
18. Plaintiff responded to that email instructing PRA to cease and desist its collection activities, and explicitly not to contact her again by phone, text message or email.1
19. When the calls from PRA continued, the next day, on June 14, 2026, Plaintiff verbally instructed PRA to stop its collection calls and hung up.
20. Nevertheless, Plaintiff received six additional calls from Defendant between June 18 and July 4, 2026.
21. Because of the incessant calls from PRA, on July 5, 2026, Plaintiff forwarded her original do-not-call request via email to PRA at two additional email addresses identified by PRA as “PRA Customer Care” and “PRA Disputes” and once again instructed PRA to cease-and-desist its debt collection communications. A true and correct copy image of that email is copied below: That particular email address from PRA contains the words “noreply”.
22. Even if PRA did not receive the original email from June 13, 2026, it certainly received the second email dated July 5, 2026.
23. Even after receiving the verbal cease-and-desist instruction and the written communication of same, PRA placed at least 15 additional collection calls to Plaintiff.
24. Defendant has continued to call on at least forty (40) occasions.
25. Defendant’s calls made after Plaintiff’s cease-and-desist request include, but are not limited to the following instances: // Date Time Calling number June 14, 2026 3:34 PM 267-497-2076 June 14, 2026 3:37 PM 267-497-2076 June 16, 2026 4:43 PM 267-477-8986 June 17, 2026 4:02 PM 267-497-2076 June 18, 2026 1:16 PM 267-497-2076 June 20, 2026 4:45 PM 267-497-2076 June 21, 2026 4:24 PM 267-497-2076 June 27, 2026 5:14 PM 267-497-2076 June 28, 2026 7:16 PM 267-609-0120 June 30, 2026 10:43 AM 267-478-4230 July 2, 2026 2:43 PM 267-609-0120 July 4, 2026 5:23 PM 267-742-3489 July 5, 2026 2:47 PM 866-430-0311 July 7, 2026 Second written cease and deist 4:53 PM 215-703-5859 July 9, 2026 4:42 PM 267-573-3708 July 11, 2026 2:50 PM 267-477-8986 July 11, 2026 2:53 PM 267-477-8986 July 13, 2026 5:36 PM July 14, 2026 4:12 PM 267-783-1887 July 16, 2026 7:05 PM July 21, 2026 3:34 PM 267-529-2896 July 5, 2026
26. July 22, 2026 6:51 PM 267-526-0911 July 23, 2026 7:41 PM 267-508-3028 July 28, 2026 6:19 PM 215-660-4082 July 29, 2026 7:13 PM 267-354-2932 July 30, 2026 6:28 PM 267-352-3369 July 31, 2026 6:15 PM 267-352-3322 August 4, 2026 7:29 PM 267-223-2379 August 6, 2026 6:19 PM 267-223-2371 Defendant’s call campaign to Plaintiff is ongoing at the time of the filing of this Complaint.
27. Accordingly, the above list is non-exhaustive.
28. In order to confirm the source of the calls, on many instances, Plaintiff called the number back and would be greeted by an automated system identifying the recipient as “Portfolio Recovery Associates.”
29. Accordingly, Plaintiff knew that each and every one of the above calls were made by or on behalf of Defendant.
30. Once Defendant knew its calls were unwanted and to stop calling, all further calls could have only been made solely for purposes of harassment.
31. In fact, Defendant made use of numerous different phone numbers to prevent Plaintiff from effectively blocking further calls.
32. As a direct and proximate result of PRA’s telephone harassment, Plaintiff suffered stress and anxiety.
33. Defendant’s incessant calls were upsetting, bothersome, disruptive and irritating to Plaintiff.

Remedies Sought

• All actual damages Plaintiff suffered, as provided in 15 U.S.C. § 1692k(a)(1));
• Statutory damages of $1,000 for the violation of the FDCPA, as provided by 15
• All reasonable attorneys’ fees, witness fees, court costs, and other litigation costs, as provided under 15 U.S.C. § 1693k(a)(3)); and
• Any other relief this Honorable Court deems appropriate.

Frequently Asked Questions

Has Defendant been found liable in this case?

No. This is a complaint — a legal filing that contains allegations made by Lindor. Defendant has not been found liable for any wrongdoing. A finding of liability requires a court proceeding where evidence is presented and evaluated by a judge or jury.

What does the Fair Debt Collection Practices Act (FDCPA) prohibit?

The Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq.) prohibits third-party debt collectors from using abusive, unfair, or deceptive practices. It requires collectors to send a debt validation notice and prohibits harassment, false representations, and unfair practices. Statutory damages can reach $1,000 per lawsuit plus actual damages and attorney fees.

What is the current status of this case?

This case was recently filed. See the CourtListener docket linked at the bottom of this page for the complete filing record. This page is updated automatically when new documents are filed.

Where can I read the full complaint against Defendant?

The full complaint is publicly available on CourtListener. The Facts as Alleged section above reproduces the complaint’s factual allegations verbatim. The complete case record, including all filings, is available through the docket link at the bottom of this page.

Source: CourtListener. Information on this page is taken verbatim from the court complaint. These are allegations only; no finding of fact has been made.