Date Received: 2023-04-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My mother got ahold of my social security card and opened up several credit cards in my name when I was a minor. I have tried to file a dispute and tried contacting legal aide and nobody will help me. Every time I do file a dispute they are trying to make me pay it off. I refuse to pay the debt off when I did not open the account, like I said my mother opened these accounts in my name. It is ruining my credit and it is not allowing me to get a loan or anything because all of it is in my collections. XXXX XXXX XXXX XXXX XXXX A {$680.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Opened : XX/XX/XXXX XXXX XXXX
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I made previous complaints to XXXX XXXX XXXX to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never provided my wet signature proving I have done business with them. I'm demanding they send me the forward flow agreement. I don't have an attorney representing me either yet. I demand a real correspondence and not a stall tactic with your last few response back saying you will continue to honor your attorneys notice of representation regarding the XXXX account ending in XXXX. If you were honor my request you would've cease and desist reporting to XXXX, XXXX, XXXX. The Consumer Financial Protection Bureau already ORDERED Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. After getting caught red-handed in XXXX, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, said CFPB XXXX XXXX XXXX . CFPB orders are not suggestions, and companies can not ignore them simply because they are large or dominant in the market. Portfolio Recovery Associates is a wholly-owned subsidiary of publicly traded PRA Group XXXX XXXX : XXXX ), and is one of the largest debt collectors in the United States . The companys principal headquarters is in XXXX, Virginia. PRA Group reported net income of over {$180.00} XXXX in XXXX. In XX/XX/XXXX, the CFPB ordered Portfolio Recovery Associates to pay more than {$27.00} XXXX in consumer refunds and penalties for deceptive debt collection tactics. In that case, the CFPB found that Portfolio Recovery Associates collected on unsubstantiated debt, filed misleading affidavits in debt-collection actions, misrepresented that it intended to prove debts if consumers contested them, and misrepresented that the company had legally enforceable claims to debts outside of the applicable statutes of limitations. Enforcement Action Under th e CFPA, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The CFPB alleges that Portfolio Recovery Associates violated the XXXX order, the CFPAs prohibition on deceptive conduct, the FDCPA, FCRA, and Regulation V. If entered by the court, the order would require Portfolio Recovery Associates to : Provide redress to consumers : Portfolio Recovery Associates would pay at least {$12.00} XXXX to consumers harmed by its illegal collection practices. Clean up its faulty operations : The order prohibits Portfolio Recovery Associates from collecting debts unless it has access to certain documents that meet its obligation to have a reasonable basis to believe it is collecting debts that consumers actually owe. Fix its failures to properly respond to consumers : The order requires Portfolio Recovery Associates to improve their response when consumers report that they do not owe a debt because of fraud or identity theft. And it ensures that Portfolio Recovery Associates adequately responds to consumer disputes in a timely manner about information Portfolio Recovery Associates has furnished to consumer reporting agencies. Pay {$12.00} XXXX in penalties : Portfolio Recovery Associates would pay a {$12.00} XXXX penalty to the CFPB, which would be deposited into the CFPBs victims relief fund.
Company Response:
State: AR
Zip: 72401
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: The company has filed multiple false and misleading affidavits in a lawsuit involving consumer. Specifically, affidavits involving affiants XXXX XXXX and XXXX XXXX. This is in violation of XXXX 's recent 2023 agreement with the CFPB and the FDCPA. PRAs response to prior complaint by this consumer did not properly address this issue.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Portfolio Recovery Associates are calling me repeatedly, threatening to take legal action against debts that are over 6 years old. They call me everyday, they will not provide accurate details on the original creditor associated with the accounts, they continue to report them to the credit bureaus as delinquent but will not provide me with any information about them. The age of the original debt is on my credit report and is over 6 years old as per what Portfolio Recovery Associates is reporting. It is really damaging my credit, I have other revolving accounts that are paid on time and have small balances if any at all yet what this company is doing is making it hard for my credit score to go up. They are reporting to XXXX that they are not a collection agency and on my credit report it looks like I have open accounts that are not being paid, even though they are listed as closed on XXXX, which makes them impossible to dispute. They are harassing and bullying me everyday, all day long, destroying my credit, I can not dispute the transactions on my credit report, they said they can sue me for the full balance or I can pay them in full, otherwise, they will continue to report me as delinquent. I do not know how this is legal to do. especially when the account shows that its over XXXX XXXX XXXX.
Company Response:
State: PA
Zip: 15010
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY IS REPORTING FRAUDULENT INFO ON MY CREDIT REPORT
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Back in XXXX i was trying to purchase a condo, they told me if I dont make an arrengment with them of payment my credit has gone to badbebt credit burue I had to make payment arrengment with account that I don know about nor they show mw proof of account due by me and it was reguested am still paying to Porfolio collecting
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: During pandemic, since we were in a state of Emergency in XX/XX/XXXX this collections company XXXX XXXX called 2 or 3 times daily to pay a debt. I know in state of Emergency periods, they were not supposed to contact me, During those periods, I am not required to pay any outstanding debts, I'm supposed to be worrying about the Emergency. They are a company that Is in California. They want to take on debts of those not residing in their state, then they should know Federal, and Every States Laws pertaining to their business and interaction with those they are contacting. Worst of all, each day, I would be called by 1 phone number, either all 2 or 3 calls that 1 day, is the only time those numbers will be on my caller ID. Each day, they would call from a new number, or each day I would receive 3 calls, all 3 a different number, never repeating. But it was always an XXXX XXXX recording telling me of my debt and payment is expected. I emailed them 1 time telling them they are breaking the law. The president declared the country in a state of emergency, they need to stop calling me until it is lifted. They must of not read it, because they continued with the same daily calls. Fast Forward, state of emergency Is over, sometime XXXX XXXX. Time passes. I get a letter in the mail in XX/XX/XXXX, saying My debt for which they have attempted to collect can no longer inquire about repayment and no one should inquire about me doing so.it is against the law. Recently in XXXX they sent me the same letter. XXXX XXXX sent me this letter.yet XXXX XXXX keeps calling me to pay it anyway. This is current up to XX/XX/XXXX. Its payment for an outdated XXXX ACCOUNT {$980.00}.
Company Response:
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am not liable for this debt with Portfolio Recovery and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. The problem is the company didn't provide the documentation that proves I owe anything. Where is the contract between the company and me? Where is the full accounting because I can't just take their word for it that I owe some company I've never contracted with, some made up number?
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: portfolio recovery im not exactly sure the amount the took from my self and my wife and also the damage they did to both of our credit history for the last several years. They took action against us they were not the original creditor, we had settled/paid accounts with several different credit card companies, we received w9s we had also from the various companies and still portfolio months, years later would collect, destroyed our credit and granished bank accounts illegally. Some of the debt was even 14 yrs old. And they continue to do so as of today!
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company on my credit report named Portfolio Recovery is not mine. Per XXXX the original creditor is XXXX XXXXXXXX XXXX. Then it also shows XXXXXXXX XXXX with XXXX year date. From its name, I am assuming it's an apartment complex. I'm in my XXXX 's and have owned and lived in a house since XXXX I have never used XXXX XXXX XXXX Portfolio Recovery has been calling my personal and work number the past 3 months on a weekly, daily, and sometimes multiple times per day. They would call from as early as XXXX and as late as XXXX.
Company Response:
State: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A