Date Received: 2023-05-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: An account that was showing as closed XX/XX/XXXX by XXXX XXXX with a balance owing of {$500.00} was purchased by Portfolio Recovery Associates. As I made a payment to XXXX XXXX after closure, there is no balance owed to XXXX XXXX. I have recently since opened XXXX XXXX XXXX credit cards. Portfolio Recovery Associates alleges they purchased this debt in XXXX of XXXX, and are reporting a balance of {$580.00}. As I know that the balance that I paid to XXXX XXXX was only {$500.00}, I have disputed this account with PRA on all 3 bureaus and requested verification/validation of this debt that was never provided. PRA reported this debt to all 3 credit bureaus as verified and did not delete the collection although they never evidenced their account nor proven this account actually belonged to me.
Company Response:
State: OH
Zip: 43017
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company keeps calling me. First they were asking for some woman now this last time they asked for me. I have no business with them.
Company Response:
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: portfolio keeps telling me that i owe them a debt and i do not they say that it has been verified but it is unlawful and not legal just to tell me i do. I want a verified documentation that i am legally bound to this debt. You have 7 calendar days to respond or it will be assumed that the debt is not owed.
Company Response:
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: please i need help i been sending disputes and nothing has change i need this to be resolved. XXXX trying to buy a house and i have damages on my credit report and things in my credit report that is not mine. According to the law 15 USC 1681 there should not be any damage on your report this is a defamation to my character.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Portfolio Recovery Associates properly investigated this account because there are obvious inaccuracies. First off, the balance does not match. XXXX is reporting a balance of {$2700.00} while XXXX is reporting {$3300.00}. If this has come from the same furnisher there is no way the balances can be different. The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX. This is a clear XXXX difference and once again it is Portfolio Recovery Associates ' job to make sure this information is correct by conducting a proper investigation. Portfolio Recovery Associates has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the XXXX duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. Portfolio Recovery Associates has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to.
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I find out that portfolio recovery associates file a law sued against me the reason I find it out is because I received an advertisement letter from 2 lawyers to hired them. Fue to I been sued. I never received any mail from this portfolio recovery associates informing me about this debt. I dont euknow what debt they are talking. This company usually file law sued for old debt that are very old. I need them to provide me with the information because I dont know what are they are sued me for .Im a XXXX XXXX old person with health condition XXXX receiving SSXXXXI.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: It is evident that Portfolio Recovery Associates , LLC lacks knowledge of FDCPA laws, as they have committed multiple FDCPA violations at this time. Since acquiring the first alleged account, they have encountered significant issues with the CFPB, who refers to Portfolio Recovery Associates , LLC as " Repeat Offenders '' due to their malicious practices. I will not tolerate being a victim of your company 's unlawful actions. Firstly, PRA is in flagrant violation of 15 U.S. Code 1692g. I explicitly demanded proper verification for the new alleged account they opened. However, PRA stated, " Due to your request that we cease communications, we will not be providing validation unless otherwise required by law. '' This violation will not be tolerated. By FDCPA law, you are obligated to provide all relevant documentation regarding the alleged debt. Your lack of cooperation is unacceptable. Secondly, by opening another alleged account within your malicious company and illegally contacting me by mail, you have violated the cease and desist order that PRA, as a whole, was expected to honor as they said they would. This violation is a significant breach of 15 U.S. Code 1692C ( C ). You are breaking the very law by which you are regulated by. Furthermore, PRA continues to make false and misleading misrepresentations about me, as outlined in 15 U.S. Code 1692e. They have failed to provide any genuine " Verification '' to support their alleged claims, particularly PRA is withholding documentation on this alleged account. Fourthly, it is imperative that PRA provides a contract between us bearing my signature on these alleged accounts. Contract law supersedes all federal and state rules, regulations, and statutes. If you are the XXXX in this matter, I demand a contract that was produced with my signature on this alleged account. I do not give my permission or consent by assent for you to enter as a third party in these alleged claims, nor to issue threatening letters regarding my private property or person, including reporting these alleged claims to various credit reporting entities. My house, telephone, email, and person are private and intended solely for my personal use or for those with whom I choose to contract. If you are attempting to engage in this alleged dispute without a contract or my explicit permission, you are in trespass ( XXXX XXXX XXXX v. XXXX, 304 U.S. 64, 1938 ). I emphasize that I am not a corporation. PRA shall produce a contract, Delegation of Authority, Regulatory Authority, or close all alleged accounts with PRA. Unless you are a second party, Holder-in-due-course, Creditor, Debtor, or Signer on the Original Contract regarding this alleged debt, you are considered a third party. As such, you are a liability and offer no assistance. Take Notice : You are hereby lawfully and legally dismissed. I refuse to discuss my Private Affairs with an " Unqualified '' third party. In your next correspondence, please provide the instrument that establishes my obligation to fulfill your requests, along with your identification and Delegation of Authority ( to wit : UCC-501 ( b ) ( 2 ) ). Failure to comply with these demands will be interpreted as your acceptance of my offer to hold you accountable in court, as specified in 15 U.S. Code 1692k. Without Prejudice, I hereby reserve all rights. Cease and desist immediately.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: FCDPA 805 ( b ) FCDPA 808 ( 1 ) FCDPA 807 FCDPA 807 ( 6 ) We used to live at XXXX XXXX XXXX XXXX XXXX XXXX. This collector was sending collection letters to the above address when we no longer lived there. The Landlord/Homeowner of the previous address wrote " Does not live here '' on front envelope and returned the postage. PRA then responded asking for an update on my current address and was sending mail to my new address before I had submitted a change of address with the USPS, how was this information obtained? Second issue is PRA has illicitly refused to work with XXXX in correcting this. I had reached out to XXXX asking as to why I had a collection against me as I had stopped trying to doXX/XX/XXXXand had requested XXXX decommission my account. They never did. A unauthorized Charge for {$9.00} was submit to my XXXX account and as I had no money in it with orders to close it then processed to XXXX credit. XXXX never sent any notification or Correspondence. This whole time I didn't know I still even had a XXXX account until I got a collection letter from PRA for {$270.00}. The original {$10.00} charge had sat accruing fees until is reached the insane amount it is. I was never notified, never given a chance to pay, they hid this from me. When talking to a XXXX rep I was notified that when an account is " Charged off '' it is no longer in the merchants interest to pursue, but if the debt buyer is willing to cooperate then the issue may be returned and resolved between the merchant and consumer. The 3rd party collection agency will not return it to XXXX as the rep had stated and I would have to " take it up with them '' So I don't understand how XXXX can violate the FDCPA by racking up fees and late charges on an account I ordered to be closed with a {$0.00} balance and {$0.00} in debt then avoid liability by selling it off for a comprehensive {$270.00}. I have contacted the Collector and spoke to a supervisor woman ( XXXX or XXXX ) who told me they do not care about the circumstance and that I owed {$270.00} or I can just leave it and my decision will reflect on my credit.. I believe they have violated the FDCPA because they showed XXXX the purchase of debt, but can not provide the original contract or proof that I agreed to all these fees and upcharges. They also do not have a California License number and still do not at the time of sending these letters They still have inaccurate information as my address has changed again and they are disputing the account with an address I havent lived at for over 5 years. I am uncomfortable directly communicating with this collector after their behavior and renegade path to retribution. Way out of bounds here
Company Response:
State: CA
Zip: 92672
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The company has received a credit card debt from XXXX back for a credit card I owned. The account was handed over to XXXX XXXX XXXX to be settled. It was settled at a lesser amount and now they have put a collections on my credit for the full amount not the settled amount.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A