Date Received: 2023-04-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Constant phone calls. Called XXXX XXXX telling them I'm being arrested. Sent letter stating because of age of debt no legal action taken.
Company Response:
State: PA
Zip: 18015
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery has been harassingly me concerning this debt that is not mine. I have tried to dispute and even requested that verification be sent, they are constantly calling me from various numbers and on one particular call even insinuated that I would be served by a sheriff. Even disputing this debt several times, they are not validating this. They sending some statements that appear to be from years ago. I have requested to have any original paperwork, contracts, applications with my signature to prove that this debt is mine, which it is not and yet to receive any of that. This has become too much. They keep updating this on my credit profile, stipulating that it is open, how can an open account be in collections from years ago. It is so much going on with this collection company. Sending me statements with some unknown address does not validate the debt is mine. The harassments and sending statements needs to stop.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt sent to collectors and collectors have been calling daily more than once a day. I have tried to explain repeatedly that the debt is not mine and there should be not debt. They continue to call daily again several times a day and are rude nor will let me speak if I answer.
Company Response:
State: GA
Zip: 30605
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent multiple Debt Validation Letter to This Company XX/XX/2023 and also XX/XX/2023 they have responded To My Letter without showing sufficient Proof I Owe There Company I havent seen any Of My Signature On Any Documents were I Agreed To pay this company or obligated to pay this company!!!!!!!
Company Response:
State: OH
Zip: 43613
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. PORTFOLIO RECOVERY ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00}
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call me EVERYDAY XXXX - XXXX ETC.. Told them to stop calling my phone numerous times a day and been harassed by them for OVER A YEAR.Told them to notify me by mail and yet they still keep calling. Block their phone # 's and they keep calling from different phone # 's
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2023 Portfolio Recovery Associates took social security and XXXX protected funds from my bank account in the amount {$2.00}, XXXX without my knowledge or permission. I, XXXX XXXX, after doing research, filed a Protected Property form XX/XX/2023 with the XXXX XXXX XXXX XXXX and appeared in court as instructed on XX/XX/2023. Portfolio Recovery Associates did not show up and the Judge did not allow me to speak on my behalf and called another party at the same time that was not part of my case. As a result I suffered a financial hardship and I've been reaching out to XXXX XXXX XXXX and informing them that the funds recovered for Portfolio Recovery Associates is protected but they still keep giving me the runaround. So today I am filing this complaint because I continue to be treated unfairly.
Company Response:
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I recently filed a complaint with Portfolio Recovery Associates. Their company states that they provide a letter asking credit bureaus to remove paid lines from credit report. A year and a half later, the accounts still appear on my credit report. When asked to provide a copy of the letter they sent, they stated they could not do that. This denial of my request begs the question of whether o not the letter was actually sent. In my initial complaint, I stated that I merely paid the accounts to have them removed from my credit report. This was not an admission that they were mine. They responded by saying that information linking me to the account came from the original credit bureaus. However, this information was never provided to me nor did I ever submit in writing that the debt was mine and was still owed. However, the debt was owed to the original company and not the credit agency. I would have had no contract with them despite them purchasing the debt from the original creditors. They also failed to provided the dates of when my accounts went delinquent. As per my understanding, an account becomes delinquent after the first missed payment. If the first missed payments were 7 years from the date I paid off the collection, then this company has indeed collecting money outside of the statue of limitations. The company failed to adequately address these issues in their response.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I called the original debt holder XXXX XXXX.which they told me it's looks like identity theft.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A