Date Received: 2023-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On Tuesday, XX/XX/XXXX, I paid the settlement amount with a zero balance owing to Portfolio Recovery. They assured me they would contact their attorney, XXXX XXXX, that filed a lawsuit against me to tell him the debt is no longer owed and the arbitration does not need to proceed. I called Portfolio Recovery today to make sure they contacted XXXX XXXX to tell him the debt is paid, and now they are telling me it can take up to XXXX hours for them to contact the attorney. The arbitration is set for Monday, XX/XX/XXXX. I sent the attorney and the arbitrator the email confirmation I received from Portfolio Recovery showing the debt was paid and has a XXXX balance owed, but the attorney is not dismissing the case like I was promised. Also, I never received any communication about the debt prior to being served with a summons because the attorney was sending everything to an address two cities away from where I live and has never been my address. I was never given an opportunity to verify the debt or negotiate settlement prior to being sued because he was sending everything to a strangers address where I have never lived. The attorney is now also trying to sue me for a second debt which I also paid and has a zero balance owed. He sent an aggressive process server to my house today and he came in my side yard trespassing on my property and yelling at me in my backyard. He wouldnt leave until I threatened to call the police. This is for a debt that is already paid and has a zero balance owed.
Company Response:
State: OR
Zip: 97225
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX Hi. Can you please send the original contract with my signature on it and the address and phone number. Also the payment history. Please take off of my credit immediately thanks XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29678
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of XX/XX/2023 a settlement was agreed on this case and the case was settled for {$1500.00}. Therefore the {$5500.00} shall be remove from my credit report since an settlement has been agreed upon.
Company Response:
State: TX
Zip: 75214
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I was served with a complaint in the XXXX XXXX XXXX in the State of New Mexico from Plaintiff Portfolio Recover Associates claiming that I incurred a debt with XXXX XXXX and that Portfolio Recovery Associates were filing suit upon a debt owed. They included copies of billing statements from XXXX and XXXX but stated that they were NOT a debt collection company. Further, they did not submit any documentation showing I signed anything, no copies of my drivers license, nothing, it could be someone else 's bill with my name accidentally on it, there is nothing to show anything. On XX/XX/XXXX, I filed a motion for a more definite statement as I have no idea who these people are and do not believe that I signed up for or purchased a XXXX XXXX account. I am still further confused as I have had no interaction, received no mailings, and had zero communication with ANY of the people stated in the complaint : no XXXX XXXX XXXX interaction, no XXXX XXXX interaction, no Portfolio Recovery interactions. **I have a serious genetic condition and did not leave my house from XXXX XXXX under doctors orders, except to go to the physicians office or as directed bi-weekly for infusion therapy. Therefore, there is no way I did anything with anyone from XXXX On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX stating that THEY are collecting the debt for Portfolio Recovery Associates XXXX This is after Portfolio Recovery Associates filed a suit against me and their attorneys are listed as XXXX XXXX so who is on first, Portfolio or XXXX? At this point I am so confused as to what is happening. On XX/XX/XXXX I called the number listed on the letter XXXX and asked whether they were a debt collection company and they said YES. I then asked for them to explain who they were and how they got my information and the woman I spoke with told me to call " XXXX '' and then hung up on me. I do not know who XXXX is. On XX/XX/XXXX I sent XXXX XXXX, the people who sent me the collection letter on XX/XX/XXXX a Certified Letter ( and have the receipt signed that they received it ) Demanding that they Validate my debt and informed then that they have already filed a lawsuit on behalf of Portfolio against me in the courts without telling me who they are or how they even know me. I have not received a response from them. I am now being asked to pay {$200.00} to a Debt Owed and Due Settlement program in New Mexico as my case has been stayed as a result of this program, without these people even telling me who they are or how they know me!
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This was sent to a collection agency calling my phone harassing me morning, XXXX and night. This is destroying my credit file. I have a common name and there is a social reported on my credit file that doesn't belong to me.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt was sold to another company. Showing up on my credit report as a collection I wish to dispute it.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: {$1300.00} was sold to this company. I wasn't aware I owe this debt. There is a SS # on this credit report I have a common name
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Sent dispute letters asking to verify debt and was debt was never verified.
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I currently have a active garnishment on my paycheck and was notified by Portfolio Recovery Associates that there is no active garnishments at this time in their latest response but yet my check keeps getting deducted. Id like to get to the bottom of this.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A