Date Received: 2023-06-15
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX I was notified from my employers legal team that they were served with legal documentation of a wage garnishment from Portfolio Recovery Associates. That same day, I conducted a search of my name on the Maryland Judiciary Case search and saw that there is a judgement against me with Portfolio Recovery Associates. As I was reading the judgment, I saw that a hearing was scheduled on XX/XX/XXXX. I was not notified of the hearing, I had no clue that I was being sued. I didn't found out about this until my employers legal team emailed me on XX/XX/XXXX. On XX/XX/XXXX, I contacted Portfolio Recovery Associates to obtain documentation of the debt that I owed Portfolio Recovery Associates. The representative that I spoke to stated that my account with Portfolio Recovery was closed because legal action has been taken and there is an active wage garnishment. The representative then transferred me to their manager because I wanted documentation that I owed Portfolio Recovery Associates and why is this company suing me. The representative stated that my account is closed because there is an active wage garnishment and can not provide the documentation. I contacted Portfolio Recovery Associates via telephone every weekday from XX/XX/XXXX - XX/XX/XXXX and received the same answer from each representative " Your account with Portfolio Recovery Associates is closed because legal action has been taken and there is an active wage garnishment, we can not provide additional information or documentation. '' I did not know I had an account with this company nor owed them any money. Today, XX/XX/XXXX I received an email from my employers payroll office stating that my wages will now be garnished, 25 % of my disposable income starting XX/XX/XXXX.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I keep getting call after call after call from Portfolio Recovery, each time from a different number. I do not owe any debts. My home is paid for, my cars are paid for, and I pay off the balance on my credit every few weeks. I don't know what these scammers are trying to pull, but they have called my cell 15 times since XX/XX/XXXX, ( today is the XXXX ). I understand you already been ordered this company years ago to back off their scam tactics, but obviously, they have not listened. I would appreciate it if you would remind them, and stop them from harassing me.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: COMPANY INFORMATION : PORTFOLIO RECOVERY ASSOCIATES INC INVOLVEMENT : Debt Collector ACCOUNT NUMBER : XXXX COMPANY INFORMATION : XXXX XXXX XXXX XXXX : Original creditor ACCOUNT NUMBER : XXXX My latest credit report shows two companies on my credit report PORTFOLIO RECOVERY ASSOCIATES INC the debt collector and XXXX XXXX the original creditor. I ask that the follow debt reporting be removed immediately from my credit file for false statement/ representation ( trying to collect wrong amount, attempts to collect debt not owed ( debt was, discharged in bankruptcy ) on my XXXX XXXX credit report XXXX o Original creditor XXXX XXXX XXXX XXXX Balance : {$1100.00} Sold to creditor : PORTFOLIO RECOVERY Balance : {$1600.00}. Charged {$480.00} more than the previous balance from original creditor XXXX XXXX o Invalid date of delinquency statements sent by PORTFOLIO RECOVERY only shown late payments/interests accruing not first delinquency. o XXXX XXXX XXXX account sold to PORTFOLIO RECOVERY account opened XXXX XXXX XXXX XXXX XXXX XXXX. During the first quarter of XXXX, The XXXX announced it would be closing 42 stores in 14 states, in addition to five stores previously announced. [ 15 ] However, it was not enough to save the company from its large debt. [ XXXX ] On XXXX XXXX XXXX XXXX XXXX revealed it had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX 's downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. [ XXXX ] [ XXXX ] In XX/XX/XXXX, The XXXX XXXX XXXX XXXX for XXXX XXXXXXXX bankruptcy protection. The company had not made an annual profit since XXXX. [ XXXX ] On XX/XX/XXXX, it was announced that Washington XXXX XXXX and XXXX XXXX XXXX would bid to save XXXX from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. [ XXXX ] On XX/XX/XXXX, The XXXX announced it would liquidate all 267 stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX XXXX bankruptcy to XXXX XXXX. They acquired the inventory and other assets of the company and sold it all off. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. [ XXXX ] XXXX. I shouldn't owe a debt to a company that has closed all physical locations, filed bankruptcy, and liquidated all assets.
Company Response:
State: PA
Zip: 17109
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: PRA ( Portfolio Recovery Associates ) sent me multiple collection letters to which I responded ( via certified mail ) and demanded verification of the alleged debt and they refused to respond to several letters all the while continuing their " collection '' efforts for a debt I don't owe. Then, they filed suit against me and they refuse to even respond to court motions. Approximately 2 months after they filed suit against me, PRA finally got back to me by " responding '' to my previous requests for debt validation with a couple of copies of credit card statements that were totally not correct and were nothing different than the haphazard stuff they filed in court. Additionally, they called me while I was in the bath at XXXX XXXX When I told the guy who called that I didnt think he could call before XXXX, he totally lost it and started yelling at me and said why dont I " learn how to tell time '' and I said I know exactly what time it is because my son was just picked up by the school bus and I was looking at my phone and it said XXXXXXXX XXXX He then asked where I was and I said I am in the bathroom taking a bath and he called me an XXXX and said " no, what city ''. I said XXXX. Then he lost it on me and said something to the effect that I am too stupid to know that it is XXXX in XXXX Ohio . I told him that I lived in XXXX Missouri, not Ohio and he hung up instantly, didnt apologize or anything. They started sending collection letters early XXXX and filed suit in XX/XX/XXXX ( case is still pending ), didn't serve me with the suit until XXXX and they didn't respond to all of my letters regarding their debt collection until AFTER they filed suit and about a year after I first started sending letters disputing the supposed debt and demanding verification. When I finally received what they called verification, it was vague and incorrect at best.
Company Response:
State: MO
Zip: 644XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Consumer Financial Protection Bureau Attention : Complaints Division 1700 G Street NW Washington, D.C. 20552 Subject : Comprehensive Complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, and Capital One Dear Sir/Madam, I am writing to file an extensive complaint regarding a deeply concerning matter involving XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Capital One. This situation has caused immense distress and confusion, and I earnestly seek your intervention in resolving this complex issue. To provide a complete overview of the situation, I must first emphasize that XXXX XXXX XXXX XXXX has persistently refused to remove a derogatory and outdated delinquency from my credit report. Despite the fact that my lawyer successfully discharged this debt in court, XXXX XXXX XXXX XXXX continues to pursue me, tarnishing my creditworthiness and causing substantial harm. Furthermore, I recently received a letter from XXXX XXXX, asserting that I have serious delinquencies reported at XXXX XXXX and XXXX. These delinquencies are directly linked to the aforementioned matter with XXXX XXXX XXXX XXXX. I find it deeply disconcerting that XXXX XXXX, XXXX XXXX, and XXXX are perpetuating false and damaging information, despite the court ruling and the debt discharge. In addition to the issues mentioned above, I have attached documentation related to a Capital One debt, which has not been current since XXXX. Astonishingly, the letter sent to me by XXXX XXXX is dated XXXX, falsely claiming that the bills are from XXXX. This misinformation is not only misleading but also further demonstrates the negligence and unlawful practices of these entities. It is evident that XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX, and Capital One are all interconnected in this matter. Their collective actions have caused significant harm, violated consumer protection laws, and flagrantly disregarded the court 's decision and debt discharge. I implore the Consumer Financial Protection Bureau to conduct a thorough investigation into the actions of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and Capital One. I urge you to take immediate and decisive action to rectify this distressing situation and hold these entities accountable for their continuous disregard for the law. Enclosed with this letter, you will find copies of all relevant documents, including the court ruling, the debt discharge documentation, the letter from XXXX XXXX, and the Capital One debt records. These documents serve as vital evidence to support your investigation and highlight the urgent need for resolution. I deeply appreciate your attention to this matter and your unwavering commitment to safeguarding consumer rights. I trust that the Consumer Financial Protection Bureau will expedite the necessary actions to address this issue, rectify the harm caused, and ensure that all parties involved are held accountable for their unlawful behavior. Thank you for your immediate assistance. I eagerly await your prompt response regarding the resolution of this multifaceted matter. Yours sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Consumer Financial Protection Bureau Attention : Complaints Division 1700 G Street NW Washington, D.C. 20552 Subject : Comprehensive Complaint against Recovery Portfolio Collection Agency, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX Dear Sir/Madam, I am writing to file an extensive complaint regarding a deeply concerning matter involving Recovery Portfolio Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. This situation has caused immense distress and confusion, and I earnestly seek your intervention in resolving this complex issue. To provide a complete overview of the situation, I must first emphasize that Recovery Portfolio Collection Agency has persistently refused to remove a derogatory and outdated delinquency from my credit report. Despite the fact that my lawyer successfully discharged this debt in court, Recovery Portfolio Collection Agency continues to pursue me, tarnishing my creditworthiness and causing substantial harm. Furthermore, I recently received a letter from XXXX XXXX, asserting that I have serious delinquencies reported at XXXX XXXX and XXXX. These delinquencies are directly linked to the aforementioned matter with Recovery Portfolio Collection Agency. I find it deeply disconcerting that XXXX XXXX, XXXX XXXX, and XXXX are perpetuating false and damaging information, despite the court ruling and the debt discharge. In addition to the issues mentioned above, I have attached documentation related to a XXXX XXXX debt, which has not been current since XXXX. Astonishingly, the letter sent to me by XXXX Portfolio is dated XXXX, falsely claiming that the bills are from XXXX. This misinformation is not only misleading but also further demonstrates the negligence and unlawful practices of these entities. It is evident that XXXX Portfolio Collection Agency, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX are all interconnected in this matter. Their collective actions have caused significant harm, violated consumer protection laws, and flagrantly disregarded the court 's decision and debt discharge. I implore the Consumer Financial Protection Bureau to conduct a thorough investigation into the actions of Recovery Portfolio Collection Agency, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. I urge you to take immediate and decisive action to rectify this distressing situation and hold these entities accountable for their continuous disregard for the law. Enclosed with this letter, you will find copies of all relevant documents, including the court ruling, the debt discharge documentation, the letter from XXXX XXXX, and the XXXX XXXX debt records. These documents serve as vital evidence to support your investigation and highlight the urgent need for resolution. I deeply appreciate your attention to this matter and your unwavering commitment to safeguarding consumer rights. I trust that the Consumer Financial Protection Bureau will expedite the necessary actions to address this issue, rectify the harm caused, and ensure that all parties involved are held accountable for their unlawful behavior. Thank you for your immediate assistance. I eagerly await your prompt response regarding the resolution of this multifaceted matter. Yours sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery is reporting a debt on my credit reports that does not belong to me. The debt shows assigned XX/XX/XXXX, the debt has been refreshed on my credit report to XX/XX/XXXX. Portfolio Recovery has been sued by the Federal Trade Commission for unfair debt reporting on consumer credit. Per the Fair Credit Reporting Act protecting the information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Portfolio Recovery keeps harassing me about an old debt from 12 years ago and said it iwill renew again in XX/XX/2023. I asked them to send me documentation and they refuse and said they don't do that. I don't appreciate getting harassed on a Sunday and they called me yesterday. She said I can't hear you 3 times and made me say Yes this is XXXX. I am afraid they took my Yes to mean this was my debt. I never agreed that I owed this amount. It was written off years ago. She was very threatening to me and didn't appreciate it. Wanted me to make a settlement over the phone and without any documentation, I would not agree to anything.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The company, Portfoliorecov has called repeatedly almost everyday, several times a day for at least 3 years.They call from different phone # 's, looking for people I do not know. I have requested many times when I have answered the phone to not call my #, no matter who they are looking for, I have also reported them to the National Do Not Call List many times. This company still calls
Company Response:
State: NJ
Zip: 08757
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A