Date Received: 2023-04-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portafolio recovery associates contiue to wreck my Credit over a debt more than 10 years old
Company Response:
State: KY
Zip: 423XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I keep getting called from Portfolio recovery associates. They arent asking for me but continue to call me over and over even after I informed them Im not the person they are asking for. Its repeat calls at all hours and weekends.
Company Response:
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio recovery keeps calling after I have told them to stop calling me I even blocked their phone number but to no avail they call from other numbers I need a refund or payment from them for violation in which you guys have made claim that they owe people for there unethical tactics
Company Response:
State: LA
Zip: 70607
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Credit card was used a long time ago and they want me to pay and i am not cause someone use my information.
Company Response:
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX several calls in a day from various cities, and phone numbers. Stating if I dont pay I would potentially have my funds garnished. I asked them to stop calling when unemployed and after receiving part time work that I was still experiencing a hardship and would contact them when it would be a better time to pay. They state they note the account yet still call multiple times a day.
Company Response:
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: XX/XX/2022 a judgement was filed against me. Before this all happened I tried to resolve it but got no where they kept leaving threatening messages and everything.. After I said I had no money.. Portfolio recovery. The amount was XXXX they threatened to have it on my credit report..
Company Response:
State: WI
Zip: 54935
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: This company has sued me in Court in XXXX without ever notifying me of an attempt to collect, for a debt that is not mine. The first I was made aware was when I was served at home.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I have been receiving excessive notices from portfolio recovery regarding a debt that I do not believe is mines. I have asked for them to verify the debt gas not been done. They just keep calling and sending notices and threatening to take legal action. This is in my credit report I have disputed it. It is agreeing my credit negatively.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Let me be clear : If Portfolio Recovery Associates , LLC does not comply with what i am demanding, i will receive legal counsel and Portfolio Recovery Associates , LLC will be held accountable to 15 U.S. Code 1692k. This is the final warning. I have done nothing but be patient and i have given Portfolio Recovery Associates , LLC time to fix their multiple mistakes. First Portfolio Recovery Associates , LLC has now broken a cease and desist violation 15 U.S. Code 1692c ( C ) as they have now sent me a letter in the mail regarding another alleged account. When i asked for a cease and desist that was for the whole company Portfolio Recovery Associates , LLC operates. My federal rights has been violated. Second as described in complaint ( XXXX ) by PRA : Because we purchased the account and contract XXXX XXXX XXXX had with XXXX XXXXXXXX to pay the balance due, no other contract between XXXX XXXX XXXX and PRA is required to validate the account ''. This information is nothing but hearsay as PRA has failed to provide ANY contract with my signature on this alleged account. PRA continues to make false or misleading representations about me as they have provided no legitimacy to their alleged claims. I demand to see this contract with my signature on this alleged account. If PRA cant provide this information I demand PRA to close this alleged account, cease collection activity, and not to report to ANY credit bureaus. Cease and desist.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS ACCOUNT IS REPORTING FALSLY AND INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. PORTFOLIO RC Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA IF YOU FAIL TO PROVIDE THIS DOCUMENTATION ( ORIGINAL CONSUMER CONTRACT AND APPLICATION ) AND INSTEAD PROVIDE 'STATEMENTS ' OR OTHER COPIES OF UNREQUESTED DOCUMENTATION. YOU AGREE THAT YOU DO NOT HAVE THE RIGHT TO COLLECT THIS ALLEGED DEBT. IN WHICH CASE YOU ALSO AGREE TO DELETE THIS ACCOUNT FROM ALL MY CONSUMER REPORTS. Under federal law, you have thirty ( 30 ) days to complete your investigation for the aforementioned documentation OR delete these items before that time OR I WILL FILE FOR LITIGATION in FEDERAL COURT. This alleged debt has caused considerable damage to my reputation and I will exercise all rights under the law for remedy if you do not make these corrections immediately!
Company Response:
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A