Date Received: 2023-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company Portfolio Recovery has continued to call our number for years even though we have advised them numerous times that the person ( s ) they seek have never lived at this location. They have said that they will remove our number, but they never do.
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am very upset at Portfolio Recovery and the credit bureaus. Not sure why they are not removing the errors on my report after 4 disputes. I dont know a lot about credit repair, I had my attorney review letters I sent and the letters they responded with. He told me that according to the FCRA, they need to tell me how they verified the accounts and according to 15 U.S. Code 1681i they are in violation. We compared balances they sent and what is reporting on my credit file and they're also in violation of FDCPA 15 USC 1692f. I know this has happened to a few friends as well they harass, they call at all hours of the day. At this point I do not care to receive validation of debt as requested before I just want them to cease all communication with me and delete the accounts. If you would like a copy of my report with proof of inaccuracies I can provide that. I have copies of dispute letters and reports for the past 8 months. I will be calling a CFPB representative to discuss what other actions can be taken, if accounts are not deleted.
Company Response:
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I received calls off and on for over a year from Portfolio Recovery Associates in an attempt to collect an alleged debt from a family member. After requesting multiple times to be removed from the list and reminding them it is illegal to contact me, they continue to do so. In a recent phone call, they disclosed the individual 's home address, last four of their social security number, the type and amount of the alleged debt, and the company the alleged debt was with they are representing.
Company Response:
State: MT
Zip: 59601
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2023 I submitted a dispute, asking to verify or delete portfolio account because I do not recall having this account open. Credit report states that account has been disputed after XXXX XXXX XXXX. I completely disagree with the statement because I have not received any verification of any sort stating that Debt is mine. I am not refusing to pay this debt, but I am saying that I do not recall having this debt, for that reason I demand that you provide some sort of document stating that they debt is mine. Plus, account is stating as derogatory open and in collection all at the same time this is not possible.
Company Response:
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently legally settled my debt with XXXXXXXX XXXX XXXX and started making payments per our agreement- they sold this debt to Portfolio Recovery Associates of XXXXXXXX XXXX. They immediately showed this as due in full without any mention of my settlement. My sister who is a co-applicant has been diagnosed with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This has ruined our credit and we cant pay for her treatments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Company Response:
State: VA
Zip: 24153
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent PORTFOLIO RECOVERY SERVICE and XXXX XXXX XXXX a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXXXXXX on a recorded phone call I spoke to a representative of Portfolio Associates. They took payment and agreed to remove the debt from my credit profile. In XX/XX/XXXX, I filed a complaint with XXXX. The response to my complaint was that they didn't own the debt. However, Today XXXX the debt once again appeared on my XXXX credit report. I feel this was in retaliation to my complaint to your agency.
Company Response:
State: OR
Zip: 97338
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Services started calling me about an alleged debt of {$2500.00} in XXXX of XXXX. I did not recognize the name of the company they were contacting me about ( " XXXX '' ). They told me that it was for a XXXX credit card. I do not HAVE a XXXX credit card. I contacted XXXX to inquire. They looked at my account and said that not only is there no XXXX attached to my account, but that they don't have XXXX credit cards with XXXX, only XXXX. They showed me where it would appear on my sign on page if I did have an account and nothing is there. Moreover, there is no record of this account on my XXXX credit report - no open account, no closed account, nothing. I received a letter from XXXX XXXX law firm saying that they purchased my debt fro Portfolio Recovery services. I disputed their claim, explaining what I explained above and requested debt validation because I did not have a credit card with XXXX. Their only response was to issue a subpoena to notify me that they were suing me. I sent them ANOTHER debt validation request on XX/XX/XXXX. To date, I still have not received info. How is it legal to sue someone for a debt that there is no record of, other than from the service they bought the debt from? The company who supposedly issued the card says that there is no debt, the bank branding the card is not on my credit report and there is no proof provided from the law firm or debt collection agency. Portfolio recovery just appeared out of nowhere on my credit report with no card linking it to me on the report. By their actions, anyone can assert that someone owes them money with no proof and then call collections. I have disputed this with XXXX, with XXXX, XXXX XXXX and will be with Portfolio Associates. I also plan to meet with an attorney and counter sue them unless they cease and desist.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: On numerous occasion have contacted this debt collector this is not my debt it was an fraud account in which they are trying to make me pay on. I have submitted proof that this account was open due to fraud and I do not have any knowledge of this account nor is this debt mines. They even sued me for this debt and I even notified them this is a fraud account. They were able to get a default judgment due to me not being aware of the court date. Also, they were found to be caught red handed with illegal debt collection practices and consumer reporting which took place on XXXX2023. They are claiming I owe them in the amount of {$2800.00}. Yet they can not provide me with a true documentation with my signature that states I agreed to this debt or any information in which I owe this debt.
Company Response:
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have been getting repeated phone calls and voicemails regarding a collection for unpaid debt to XXXX XXXX for my credit card. This is from Portfolio Recovery Agency. However when I spoke to them finally, it was said to be a mistake and I dont owe the money.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A