Date Received: 2023-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Unaware of debt, never contacted, never validated or verified, account written off and sold and I do not have a contract with collection agency.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom it may concern, Re : Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have failed to VALIDATE ANY DEBT
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX gave my information to a law firm then sued me in hopes to garnish my checks, they have portfolio recovery calling daily 1-2 times a day, as well as law firms from XXXX as well, the debt was from XXXX if I remember correctly, i broke my hand not long ago and I can not pay them back nor take the amount of stress that I have been for the last few years, Im at my breaking point. They fooled me into paying them with a check XXXX dollars if not legal action was going to happen and i dont know anything about credit laws so I believed them until I was told it is illegal and I just want to fix my credit and be at peace after all the countless things that have happened in the last 2 years..
Company Response:
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have no knowledge of this alleged debt and I did not open nor benefit from this account or any transactions made by this account.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I already submitted a complain in which PORTFOLIO RECOVERY ASSOCIATES stated that they would remove the debt, in which they did from XXXX but not XXXX. Please remove this debt thank you
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pursuant to 18 USC 8. I owe no debt This company is violating my consumer right to privacy pursuant to 15 USC 1 681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Company Response:
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Theyve been taking my state tax refund and I wasnt properly notified before they started taking it.
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Portfolio Recovery Associates , LLC began to harass me regarding a debt owed. They issued a garnishment XX/XX/XXXX of {$970.00} plus fees. My wages were garnished and the amount was paid in full. As of XX/XX/XXXX, Portfolio Recovery issued a second garnishment for the exact same case. After contacting them, their representatives stated that they don't know what the problem or disconnect is and they are looking into it. Unfortunately, I never heard back from anyone. Every time I call I get a new person who don't know whats going on. I have proof from my employer of my deductions taken from my wages. I can't sit and hope Portfolio Recovery figures it out since my wages are being garnished a second time. I'm looking into legal advice and I would like to file a compliant against Portfolio Recovery Associates not only for the mistake but for emotional and financial hardship they have caused. Their negligence is inexcusable.
Company Response:
State: CO
Zip: 80203
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been contacted by the company on theses dates XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. I called the company on XX/XX/23 as well as XX/XX/23 to let them know they have the wrong phone number for the debt they are attempting to collect and I am still receiving phone calls despite being both times that I called that I would not be contacted again.
Company Response:
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the FAIR CREDIT REPORTING ACT. The List of account ( s ) below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. PORTFOLIO RECOVERY - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A