Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX do not owe this company any money. Im requesting they ceast and defrain from all communication and I understand this company is a debt buyer. I do not have a contract with this company so that means they need to delete this account from my credit report per fcra law. Delete ASAP.
Company Response:
State: CA
Zip: 93630
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: 2023-05-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Case dismissed, no proof that debt is accurate and/or belonging to me with accurate information and proof, signatures
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received numerous of calls regarding a credit card not used by me someone used my name for XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from a portfolio recovery who. As well have breach information thru some source XXXX XXXX XXXX XXXX XX/XX/XXXX they called and harrased numerous of times from XXXX and XXXX
Company Response:
State: MO
Zip: 658XX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital one has shared personal private financial information to a debt buyer in which I have not consented to my information being shared. It is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. Capital one is also reporting incomplete and inaccurate information on the behalf of the consumer violating the consumers protection rights and have not shared the right to opt out of reporting. This debt is disputed and I cease and desist all communication from this company and all other companies who have shared my information which is a result of identity theft. the Gram-Leech Bliley Act requires financial institutions ; companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. I have also never received tax forms 1099-C The reporting status violates which conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am have not received written notification of this debt. Nor am I aware of this debt owed to this company. I dispute the information that Portfolio Recovery Associates has supplied credit bureaus XXXX, XXXX and XXXX as inaccurate and or incomplete.
Company Response:
State: IN
Zip: 46804
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was contacted by a company called " Portfolio recoverys. '' I've made no contacts or arguments with this company. They say I owe {$760.00}. I need this removed from my credit immediately. Thank you!!
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Spoofed phone numbers claim to be Portfolio Recovery calls me claiming I owed debts to unspecified companies
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I've asked Portfolio Recovery Associates , LLC numerous times to provide purchase and monthly statements. As of today, I have not received any statements, yet I receive continuous phone calls and receive letters stating that I owe {$2600.00} for an account with XXXX who is the merchant and the seller, XXXX XXXX. This account was opened in the Spring of XXXX and there has been no activity on the account since XXXX. I initially disputed charges that were placed on this account with XXXX. After several conversations with XXXX regarding charges, I never received copies of the charges and all communications ceased. Years later I began to receive constant daily phone calls from Portfolio Recovery letting me know that this was now on my credit report and would impact my credit if I didnt send them money. I requested again, monthly statements and informed Portfolio Recovery that I had requested such from XXXX, but never heard back. I requested Portfolio Recovery to provide the same documents to show that I owed what they were claiming. I have spoken to them so many times, I've lost count. This debt is over XXXX XXXX XXXX, but I still receive phone calls constantly and receive statements that provide the account number, the merchant name, the seller 's name and the balance and asking me to pay the balance or chose a savings plan. After years of requesting actual statements, and not receiving and disputing the balance, I am frustrated, and tired of the constant phone calls and letter. The letter also states on the backside " NOTICE we are required under state law ( what state? ) to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws. '' CALIFORNIA : License Number pending. '' There are no rights listed at all. It is as though I have no rights and they don't have to provide any information that I've requested since XXXX. I tried in good faith to solve this issue but Portfolio has never sent any of the documents that I have requested to show that I made certain purchases that I disputed with XXXX and with Portfolio Recovery. I refused to make any payments until such time I was provided the documents. Since this time, I've received nothing but constant harassment.
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a fraudulent account. I have filed a police report. I suspect that it was someone I may know as they paid initial payments then quit paying it. Items were also stolen from my house. This is fraud.
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This collection account is on my credit report but it is not mine. I reported this to them but they refuse to remove it from my credit report. It is ruining my credit and it is fraud.
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A