Date Received: 2023-04-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I do not remember dates and amounts but I was called and harassed multiple times a day from portfolio recovery saying they would sue me and ruin my credit if I did not pay them
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XXXX. ) Credit CardXXXX XXXXXXXX XXXX Open Acct XXXX XX/XX/XXXX. 3 yrs-4 mo. Balance- {$1000.00}. XXXX. ) Credit CardXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX Open- XX/XX/XXXX. 2yrs- 4 mo. Balance {$1000.00}. XXXX. ) Credit Card XXXX. ) XXXX XXXX XXXX XXXX XXXX Open XXXX 2yrs- 4 mo. Balance- {$1000.00} These cards are all on my Credit Report from Portfolio Recovery A. Single and getting XXXX and off work struggling to pay and they wouldnt work with me and too many late fees.
Company Response:
State: IN
Zip: 46628
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio recovery Associates have repeatedly called and harassed me regarding a debt Ive disputed several times and submitted information that I had identity theft and theyre still sending letters to me and harassing me while Im working calling at all hours of the day and night.
Company Response:
State: VA
Zip: 20111
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Re : Portfolio Recovery Associates LLC Acct # : XXXX Dear Sir/Madam : I want to make a formal complaint. I have filed several disputes with Portfolio Recovery Associates , LLC. They had failed to validate an account under the Federal Debt Credit Practice Act. Portfolio Recovery Associates , LLC. failed to delete the inaccurate information between myself and Portfolio Recovery Associates , LLC. due to non-compliance. The Federal Debt Credit Practice Act specifically states : 15 USC 1692g ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. The Federal Credit Reporting Act specifically states : 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 It appears that Portfolio Recovery Associate LLC have a constant habit of non-compliance of not validation my alleged account, not replying to my dispute and reporting inaccurate information. I see you recently filed a complaint with Virginia XXXX XXXX against Portfolio Recovery Associates for their illegal debt collection and credit reporting violations. Case # XXXX Portfolio Recovery Associates , LLC XXXX reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. This inaccurate reporting has damaged my livelihood. According to the law-the Federal Credit Reporting Act a consumer reporting agency must report maximum possible accurate information. This is a violation of the Federal Debt Credit Practice Act and Fair Credit Reporting Act by Portfolio Recovery Associates , LLC. I demand that this information be deleted from my consumer reports. Original Creditor : XXXX XXXX Account # XXXX Thank You, XXXX XXXX
Company Response:
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Well this company for years tried to collect an old expired debt and they kept calling and they would talk to my family members about my debt
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Ive been receiving phone calls from portfolio recovery for over the last two years. They will call me from numbers I will tell them to not call and they will call from a different number and I will tell them again to not call me back and they do from different numbers in state and out of state. They will call all hours of the day and night. I will block the number they called from and then they call me back on another number immediately. If I get a call from them and I ignore it they will call me back immediately again from another number. They also send me mail all they time in different formats of mail, letters, prize type award stylized letters
Company Response:
State: WV
Zip: 25526
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: 2023-04-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Calling and told them I failed to make payments because I lost my job.
Company Response:
State: CA
Zip: 95207
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: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: This company contacts me every day. Today on a Sunday they contacted me at XXXX, and every other day this week for about a few months. I asked them numerous times to please stop calling and mail me a letter to the address they have on file with information. This company is portfoliorecovery. They call from numerous different numbers, but majority of them starting with XXXX ( XXXX ) XXXX.
Company Response:
State: FL
Zip: 33414
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: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This has been going on since 2007 and is currently going on now. This has been going on for over 14 years. I owed a debt for a XXXX XXXX XXXX XXXX that I VOLUNTARILY TURNED BACK INTO XXXX. XXXX XXXX THEN turned it over to PORTFOLIO RECOVERY ASSOCIATES. These people have harrassed me on my mother 's phone which she passed away from XXXX XXXX. They have repeatedly sent letters. Recently, some lady called me and read me all of my information including my whole SS # and also told me she worked for law enforcement and that they are suing me in the county in which I live in GA. She was very RUDE, OBNOXIOUS, BELLIGERENT TO ME, CUSSING ME OUT, CALLING ME A LIAR, THREATENING ME AND THEN SHE STARTED YELLING AT ME AND HUNG UP IN MY FACE. I HAVE SINCE BLOCKED EVERY NUMBER I CAN THAT I KNOW IS HER WHEN I HEAR HER VOICE. I asked her several times to stop talking to me like she is crazy and she tells me that she is taking out a warrant on me as well.
Company Response:
State: GA
Zip: 30215
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 or suggested your credit would be damaged
Consumer Complaint: This for portfolio recovery I keep getting calls for this alleged debt! They keep calling me all hours of the night and calling me on weekends! Knocking on my door I disputed both of them and they threatened to sue me for alleged debt! Also, I asked in the dispute if they can provide an original contract w/ the original physical signature and if not, which they havent! Needs to be deleted off the report immediately!
Company Response:
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A