Date Received: 2023-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was went to PRA website and saw announcement that a CFPB Order thatrequiresPortfolioRecoveryAssociates, LLCtoproviderefundstotalingapproximately $ 15milliontoimpactedconsumers. CFPB Order which I would like to submit to PRA XXXX. I was REQUESTING CFPB EMAIL to CC my email " CFPB Order Application for XXXX XXXX ''. However now I am attaching my Application as a Complaint. I received false statements from the above PRA starting in XX/XX/XXXX as they tried to collect a debt I had already paid in XX/XX/XXXX and refused to acknowledge payment in full I had already sent them stating the account had gone into collections in XXXX when really it had in XXXX. False statement were fabricated for XXXX.
Company Response:
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. Portfolio Recovery Associates , LLC claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with Portfolio Recovery Associates , LLC, I DID NOT ASK for it nor are they privy to contract with me. Portfolio Recovery Associates , LLC has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. Portfolio Recovery Associates , LLC only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to Portfolio Recovery Associates , LLC they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE Portfolio Recovery Associates , LLC and original creditor anything.
Company Response:
State: NM
Zip: 88310
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Mid XXXX i went through a divorce and during that process debt was divided. This credit was to be paid by my ex partner. I attempted to resolve this issue once i was able to get a full time job towards the end of XXXX which shortly after was affected by covid.
Company Response:
State: CA
Zip: 92220
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi Portfolio Recovery Associates Inc, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXX XXXX to pay off the balance however, on XXXX the check was endorsed and deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) into a Misc Deposits account. After realizing the payment was missing, I opened 4 disputes with XXXX XXXX XXXX XXXX XXXX Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). XXXX XXXX ( Corporate Consumer Relations Senior XXXX at XXXXXXXX XXXX XXXX suggested, I contact Portfolio Recovery Associates ( PRA ) via phone at ( XXXX ) in addition to the Consumer Financial Protection Bureau complaints ( Complaint Number ( s ) for PRA are XXXX and XXXX ) for further investigation. XXXX XXXX XXXX suggested Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) conduct an investigation by reviewing their remote deposits report from XX/XX/2022 and confirming the check is on the Remote Deposits Report. After I contacted Portfolio Recovery Associates via phone at ( XXXX ) and the Consumer Financial Protection Bureau ( Complaint ID # XXXX and XXXX ) regarding pulling their remote deposits to locate the missing check and provided them with my full social and spelling of my name, I was told several times, they will not conduct further research or an investigation with an account number. According to the response from a Portfolio Recovery Associates Inc representative in regards to Complaint # XXXX, PRA investigated my complaint, and found XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine, and PRA has requested that the funds be refunded to me and no further steps or follow-up actions are required. I did receive Check # XXXX for the amount of {$880.00} via USPS, however I did not receive any documentation confirming XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine. The documentation is needed to dispute the interest charges that occurred due to this error. To remove the interest charges from my XXXX XXXX XXXX Bank account, please provide me with documentation confirming XXXX Bank sent the funds to PRA with instructions to credit those funds to an account that was not mine. Thank you for your time and assistance with this investigation.
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Tried to dispute debt that I have no knowledge of with XXXX. XXXXXXXX XXXX XXXX dollars XXXX. Portfolio recovery XXXX, XXXX XXXX Failed to remove
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have two accounts one for XXXX and one for XXXX from PROTFOLIO RECOVERY they called me telling me that they are going to my job with papers to take me to court many many many times
Company Response:
State: IL
Zip: 60164
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is under a payment plan already. Portfolio Recovery. Why is it being reported on my credit report?
Company Response:
State: PA
Zip: 19040
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: {$930.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Portfolio Recovery has contnually reported a XXXX XXXX XXXX XXXX on my credit file that I have not ever opened. I have been in college and this may be from when I was in high school. To this day I am still a student and my parents pay my phone bill so not sure how I have Any thing on my credit at all. I did not do this. I was a victim of multiple breeches and identity theft.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never given permission to furnish the information to Portfolio Recovery Associate. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A