Date Received: 2023-04-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Ive lost count the number of times they called me. I quit answering my phone with unknown numbers. I made the mistake of acknowledging a debt from them and ended up having to pay it all again after it was settled with the the original credit card company. They made agreements and then didnt honor them. This place is a total disaster and very unprofessional.
Company Response:
State: MO
Zip: 645XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: When I started receiving phone calls from Portfolio recovery in 2020 in continually told them to stop calling me but send all correspondence by mail only but they continue call my phone at least 5 days a week even on Sundays I have yet to receive any letters showing proof they own my debt. I have now received a summons from the XXXX XXXX courts that they intend to sue me on behalf of A XXXX, XXXX XXXX XXXX. They have not supplied any proof that I have signed a contract with Portfolio Recovery or that they own this debt. In their proof attached to the summons it only shows an account statement from XXXX XXXX. Portfolio Recovery is using this tactic to receive money I do not owe them before the statute of limitations end for my state of California. They have not complied to the Fair Debt Collection Practices Act,
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Portfolio Recovery repeatedly called me since they bought this debt. Threatened to sue me regularly. Unwillingly provide contract agreement to verify this is my debt.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Portfolio Recovery calls me on holidays, weekends, and violates my rights by the Fair Credit Act. They have repeatedly called me before XXXX and after XXXX. They do not follow the rules. They harass me on a daily basis, even after blocking the number every time. I have proof of times that they have called by taking screenshots that were outside of XXXX. I'm sick of them breaking the law. They need to be stopped.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Portfolio Recovery Associates has been and currently is reporting a closed/old account as an open/newer account on my credit report. This account was opened in XXXX and was closed in XXXX. Portfolio Recovery is reporting that this account was opened on XX/XX/XXXX and shows that the account status as " open '' on my credit report. At first I thought it was fraud because of the dates they have listed on my credit report along with the " open '' status so I disputed it as fraud. Once the credit bureaus declined my dispute, I looked further into it and realized that it is my old XXXX XXXX ( XXXXXXXX XXXX XXXX credit card account that is being reported as a newer opened account. I continued to dispute Portfolio Recovery on my credit report for incorrect dates and it keeps getting denied. I called XXXXXXXX XXXX directly and they told me they no longer have any information on this account and that I need to contact the debt collector to obtain information/documentation. I called Portfolio Recovery Associates and asked for any documentation showing the original opened date for this account and I was told they do not have such documentation and that they can not send me the original account information showing when the account was actually opened even though they confirmed to me on the phone that the account was in fact opened in XXXX and closed in XXXX. I then contacted Portfolio Recovery Associates a second time by email and asked them for my disclosure file. I also specifically asked them for the date the account was opened and the date of delinquency. Portfolio Recovery has not responded to my email. They refuse to give me this information in writing, they will only confirm the dates verbally over the phone so I do not have proof/confirmation of the true account information. I need help. I have attempted every avenue to get this information from Portfolio Recovery and to correct my credit report.
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On or about XXXX XXXX, 2024, Portfolio Recovery Associates ( PRA ), LLC, ( XXXX ) XXXX, a debt collection frim, called my cell phone number, ( XXXX ) XXXX and said there was an outstanding debt. My elderly mother could not get any more details at that time. Today, I contacted PRA to find out what this supposed debt was. I gave them the date and phone number that was called and they were unable or unwilling to provide any details. Instead they wanted to collect information on me such as my full name, address, and phone number. I explained if they have a legitimate unpaid debt associated with the number they called, now was the time to let me know and if it was legitimate, I would make arrangements to have it paid. If they were unable to provide the information the was nothing more I could do. This repeat offender company, recently ordered to pay XXXX Million in damages for unfair and deceptive practices, is at it again, harassing the elderly. I would like to know : XXXX. What is the alleged debt? XXXX. What is the amount supposedly owed? XXXX. When was the debt incurred? XXXX. By whom was the debt incurred? I want the phone calls to stop immediately. I do not consent to my personal information being shared with this predatory company.
Company Response:
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have been witch hunted by this company portfolio recovery XXXX XXXX And XXXX XXXX for 7 years now they are trying to sue me but I'm on XXXX
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I have been getting calls from PORTFOLIO RECOVERY ASSOCIATES for over 1 month now and I have picked up the calls occasionally but no one speaks and they hang up shortly after. They call me during business hours while at work and im receiving calls now past XXXX and they keep calling. Ive called back and can not reach an employee. Im XXXX, i only recently got a credit card and i dont have any debt from anything. No one im related to has died where i might have gotten their debt, i dont have any outstanding payments to anything and i keep getting calls and its seriously boiling my blood. They dont pick up and they dont stop calling. I have more than 5 phone numbers that have a caller ID of porfolio recovery
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio Recovery Associates agreed with me on XX/XX/XXXX, to settle a {$3500.00} credit card debt they purchased from XXXX XXXX XXXX in XXXX. The agreed amount was {$2200.00}. I paid {$2200.00} on the date we agreed to, but Portfolio Recovery Associates left a balance of {$1300.00} on my credit report. It appears that Portfolio Recovery Associates is expecting me to pay {$1300.00} to clear my credit report despite our agreement, as stated above. Also, I paid the debt over the phone with a Portfolio Recovery Associates representative on the agreed date, XX/XX/XXXX. I gave her my checking account number and routing code, and I authorized the payment over the phone ; however, my account was not billed for the debt until XX/XX/XXXX. The Portfolio Recovery Associates representative sent me an email message which she said was a receipt for the transaction, but it was not a receipt. It appears that Portfolio Recovery Associates is taking the position that I did not pay the agreed settlement amount on the agreed date. I believe that Portfolio Recovery Associates is using deceptive practices and not dealing in good faith. We agreed to a settlement amount, a payment date, and that credit reporting bureaus would be notified that the debt was paid in full, but I believe that Portfolio Recovery Associates is attempting to collect the entire amount from me despite our agreement and on-time payment of the agreed amount.
Company Response:
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX agreed with me on XX/XX/XXXX, to settle a {$3500.00} credit card debt they purchased from Capital One Bank in XXXX. The agreed amount was {$2200.00}. I paid {$2200.00} on the date we agreed to, but XXXX XXXX XXXX left a balance of {$1300.00} on my credit report. It appears that XXXX XXXX XXXX is expecting me to pay {$1300.00} to clear my credit report despite our agreement, as stated above. Also, I paid the debt over the phone with a XXXX XXXX XXXX representative on the agreed date, XX/XX/XXXX. I gave her my checking account number and routing code, and I authorized the payment over the phone ; however, my account was not billed for the debt until XX/XX/XXXX. The XXXX XXXX XXXX representative sent me an email message which she said was a receipt for the transaction, but it was not a receipt. It appears that XXXX XXXX XXXX is taking the position that I did not pay the agreed settlement amount on the agreed date. I believe that XXXX XXXX XXXX is using deceptive practices and not dealing in good faith. We agreed to a settlement amount, a payment date, and that credit reporting bureaus would be notified that the debt was paid in full, but I believe that XXXX XXXX XXXX is attempting to collect the entire amount from me despite our agreement and on-time payment of the agreed amount.
Company Response:
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A