Date Received: 2023-04-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/2023, I received a phone call from an unknown number. The caller left the voice mail message below. " This message is intended for XXXX XXXX. This is XXXX. I am with XXXX XXXX for XXXX XXXX XXXX. Calling in regards to a civil complaint that was forwarded to my office for filing against you in XXXX XXXX. The firm that filed against you has informed me that you didn't respond to a 30-day notice mailed to the address on file. If you have any questions regarding this action taken against you, you will need to contact the issuing firm immediately at XXXX. Thank you and you've been notified! '' I received this call two days after I filed a complaint with CFPB against Portfolio Recovery. Recently, CFPB released an article in regards to the illegal collection practice, violating a court ordered enforcement for Portfolio Recovery to stop threatening, harassing and conducting illegal collection practices. They have violated the enforcement which forced CFPB to take action. Here is 100 % proof this unethical company believes they are untouchable and does not have to abide by any federal or state law in the manner of which they conduct business. First, they can't validate the debt, Second, they have manipulative, deceptive harassing phone calls made with messages as above. Third, they sue innocent people through deception, unfair and unjust business practices and do not even have the decency to explain themselves. I am requesting for CFPB to include this complaint with the action against Porfolio Recovery because this is incredible evidence of so many violations by this business.
Company Response:
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am attaching a letter requesting information in writing for validation of debt I am being sued for. I did not receive any prior notice but a lawsuit and wage garnishment request. As this is the first notification I received, my letter is in response to the voice mail caller 's message, " You have been notified! ''
Company Response:
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I went on the collectors website to look up my account and it is no longer there. They are required to report to all credit bureaus and stop reporting me with a debt in collections and have it taken off my reports immediately.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
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: I am responding to a recently closed case # XXXX that Portfolio Recovery responded to. They denied any wrongdoing in violating the provisions of FCRA and once again I ask that CFPB comply with 15 USC 1681 ( n ) and any other Liability for damages of which I am owed due to their willful manipulation of the balance owed in order to re-age and negatively affect my credit worthiness. Not only that but to remove these harmful account from my credit report or any other other accounts reported by XXXX and XXXX : XXXX in the amount of {$2600.00} and XXXX in the amount of {$2100.00} or or what was {$2100.00} reporting from XXXX. Also to be removed from XXXX but reporting different account numbers XXXX and XXXX. ( 1st proof of manipulating data- the changing of account names ) Portfolio/ Portfolio Recovery Ass or PRS responded that account # XXXX now on showing as XXXX in XXXX they purchased this account and sent a letter in XXXX. I have never received any letter from XXXX until I started to dispute these accounts which they have used aggressive and illegal practices. I have attached letters and my copies of my credit reports showing deliberate re-aging since XXXX Letters range from XXXX XXXX XX/XX/XXXX where they reported changes and one clear change is the amount. Letters stated debt was purchased for {$2600.00} but on my credit report its {$2600.00}. Each time I dispute, they're-age the account and it drops my score drastically. They deny any claims of wrongdoing but how can you report a change in the balance without real payment? How does XXXX and XXXX notify me of a changes on the account only to re age the collection account by reporting that a change was made to the account. I noticed this was usually when I disputed the account, shortly after the open date changes and the last reported date changes but there was no actual change to the account. XXXX is currently under investigation for these practices and are illegally manipulating my accounts and the balance reported among other things. You will see how they are violating FCRA and causing me financial damages. which XXXX have been reported of doing. These unethical and illegal practices are in direct violation of several provisions of FCRA, including but not limited ton 15 USC 1692e - False or Misleading Representations XXXX responded in the last complaint that they can not control the way in which consumer reporting reports the information furnished yet willingly furnished that information. I'm asking that XXXX and XXXX stop validating this debt based off of an itemized bill that the account was opened in my name and my social. I have even gotten a police report on XX/XX/XXXX XXXX # XXXX but even prior to this I provided ample and strong evidence supporting my rights are being violated through illegal data manipulation. I have provided letters and copies of how my disputes are ignored and reports are reporting changes in a different amount and account numbers. XXXX and XXXX mark my account as to be ignored and this is costing me financially and health wise and I want compensation for these violations.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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: 306XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: on XX/XX/2022 I attempted to call PORTFOLIO RECOV ASSOC in an attempt to clear this debt and i was told by XXXX XXXX that she could not help me because the account is no longer with them she then gave me a number to XXXX XXXX XXXX at XXXX and i spoke to a XXXX XXXX who stated that she could not transfer me to an attorney and i asked her how can i take care of this she stated that she can see and if i pay it it may be settled and i asked her how long she stated she does not know how long this takes and no one there will have a time frame and that there was nothing that could me sent to me. My complaint is that this is on my credit report and not one of these agencies could help me with clearing this off my credit report, i'm not understanding why both companies wish to make this process so stressful for me to get cleared.
Company Response:
State: WI
Zip: 53206
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom it may concern, I have disputed Portfolio Recovery Associates on behalf of XXXX XXXX Bank XXXX for the amount of {$110.00} in the past and never received anything back within the 30 days allotted so this account should be deleted/removed from my credit profile on XXXX, XXXX, and XXXX. The original dispute was regarding the validity of this debt because I only have XXXX XXXX XXXX credit cards and they are both current. I am not sure where this {$110.00} collection is coming from. I have had a credit card past 7 years ago in the past from XXXX XXXX, but as you see in the attachment, what is being reported on my credit is that it was opened XX/XX/XXXX and last active on XX/XX/XXXX. Which again, not really sure where this collection is coming from. Please help me get Portfolio Recovery Associates on behalf of XXXX XXXX XXXX XXXX account deleted/removed from my credit profiles on all three bureaus. Thank you, XXXX XXXX Account Name : Portfolio Recovery Associates XXXX XXXX XXXX Bank XXXX Account Number : XXXX Amount : {$110.00}
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PRA has used illegal and immoral practices to attempt to collect questionable debt from me. PRA has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to PRA. I ask that they immediately cease all communication. This account should be deleted immediately.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have been dealing with this company portfolio recovery for several years disputing these accounts with all credit bureaus that they have reported errors, false incorrect balances and dates for these 3 accounts on my credit report and to immediately removed from all 3 credit bureaus for using these illegal tactics. The 3 accounts was eventually removed from my credit report but just recently one of my credit financing websites that monitors my credit sent me a alert that portfolio recovery had reopened 2 of the old accounts and added them back to my credit report and to immediately look into this because they say this is fraudulent and unusual for a closed account to be reopened. This has also damaged my credit score extremely bad causing me to also pause on purchasing my first home until i get this fixed. This situation has been extremely stressful dealing with this company.
Company Response:
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A