Harrasment from PRA
Date: Tue, 05/31/2011 - 17:14
I currently have accounts with BOA and called their recovery department trying to find some answers, and they show no accounts being charged off. The 16 digit account from PRA is not BOA account number, which someone from PRA told me it was.
I received a letter from PRA that my dispute letter was the same as a previous dispute made by me and they have considered my inquiry answered.
Basically they are stating that I am using a stalling tactic for not paying. I assured them it they can prove I owe the debt then I will pay it. They said they sent out a letter to me back in Feb. 2011 with the requested information about the debt, with account information. I said okay resend me the letter, or give me the account number on the letter, and they come up with excuses why they can not.
When I was told that 16 digit acct. number on the collection letter is the account number from BOA, and I told them it was not, and that I just talked to BOA, and said hold on lets get them on the line for a 3-way call, the PRA rep hung up on me.
What can I do now?
Portfolo seems to be going after old debts nowadays.... This de
Portfolo seems to be going after old debts nowadays....
This debt is WAY past the statute of limitations if it is from 1996. I would send them a certified letter telling them the following:
To Whom It May Concern:
I have repeatedly been contacted and harassed by your company concerning account #_______, which your collectors have claimed to be a Bank of America account from 1996. I have informed you repeatedly that I have contacted Bank of America, and that they have told me themselves that this is not a valid account. However, your collectors have persisted in trying to collect on a debt that you cannot validate, and that the supposed original creditor even denies the existence of.
This letter shall serve as formal notice to you that you are to immediately cease all communication with me regarding this matter. This supposed debt is outside the applicable statute of limitations. Therefore, I have nothing further to discuss with your company, and your company has no further reason to contact me. Should you continue to contact me regarding this matter, I will not hesitate to pursue all necessary remedies, including legal action, to put an end to this harassment.
Have a nice day!
Sincerely,
(your name)
That should do the trick. If not, then you have grounds for a lawsuit.
