In October I received a letter from Portfolio Recovery Associates (PRA) that I owe $1570.56 balance past due on a Capital One Account from 2002. This letter stated that I had not responded to their recent attempt to contact me. How can I respond when this was the first time I was hearing from them? This account does not belong to me. I was told by PRA that they purchased the account in June. Since this time, I have continued to dispute that this account does not belong to me. The have repeatedly continued to call my home, my cell phone and my place of employment. I have repeated requested that they stop calling me.
I was unaware of my rights as a consumer, and last year I started researching those rights. I started by sending a letter requesting additional information pertaining to the account. I was sent a typed letter, not on letter head, basically giving me the same information I was sent in the first letter. Then in October, again I received the information they had been giving me over the phone. On this letter the balance had risen to $1591.71; stating accruing interest on an account which has never existed. How is that even possible?
Now it is August and I am still receiving harassing phone calls, at my place of employment no less. This time around I have sent a letter certified mail requesting Validation. Not just a letter typed by them, but proof to provide me with any and all papers that show I agreed to pay what you say I owe, papers that have my signature. I am also asking for proof that they are licensed to collect in my state. This letter also requests a Cease and Desist on all phone calls, that an attempt to contact me must be done in writing. At this point it is another waiting game to find out if this letter will help stop the harassing calls from Portfolio Recovery on an account that does not belong to me.
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