Date Received: 2023-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Portfolio Recovery is reporting account XXXX Orginal Creditor XXXX XXXXXXXX XXXX XXXX as delinquent. This account is paid in full. ( see attached documentation ) received XXXX/XXXX/2023 XXXX balance.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I was victim of Declared Natural Disaster : Hurricanes Irma, Maria and XXXX XXXX Earthquakes and COVID19 Pandemic I was not elegible for some assistance and that reason I was unable to still making payment. I have medical condition and request the Federal Forgiveness for Declared Natural Disaster Victims or any medical forgiveness. I request closed and removed from my credit report the derogatory marks. Multiple times I dispute at XXXX 1 was closed and removed but the other 2 still open with new collector. XXXX and XXXX still 3 derogatory remarks. Please help me to recover my credit as per elegible FRCA requirements
Company Response:
State: PR
Zip: 00924
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have below the invoice that will be sent off to portfolio recovery associates I want the account updated and removed, as well as all personal history, details, all addresses on file, basically I want my private information out of this and other companies hands immediately!
Company Response:
State: CT
Zip: 06112
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I disputed the incorrect information on my report twice with no one reaching out to correct information and no updated information on my report for many years. The disputes are disregarded/closed.
Company Response:
State: TN
Zip: 38138
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery services is attempting to collect an unverified invalid debt that has been disputed and never validated. They have done a inquired check of my credit report with out my permission and without written communication and a opt out in writing. debt is alleged until proven 15 USC 1691. Fraud Alert. This account does not belong to you. No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported. Provide me with certified copy of the written permission that you have from me to report anything. Provide me with all of the written communication with me with my opportunity to opt out. Provide me with the bona fide evidence that i am all four of the entities on the report. Provide me with bona fide evidence that you have abided by the law.
Company Response:
State: SD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I noticed that portfolio recovery associates was pulling my credit and I called them to ask them what they were pulling my credit on and they told me they were trying to pull it on two things XXXX XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. So this one that is XXXX XXXX XXXX & XXXX that is XXXX XXXX XXXX. They were both discharged in bankruptcy 13 years ago but they're still pulling my credit they can't prove that I owe the debt they can't prove that they have the right to go after this debt and they can't prove that they're out the right after the limitation that has expired
Company Response:
State: IN
Zip: 47803
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: About 20 years ago I purchased a small notebook from XXXX XXXX. In the first 3 months the hard drive failed on it. They refused to honor my receipt or warranty and I still paid them for it. I believe it was about {$300.00} Im so disgusted with XXXX XXXX and their pit bull debt collectors from Portfolio Recovery, they have no shame. They call all hours of the day constantly from different phone numbers and locations. This has to stop, please help.
Company Response:
State: NM
Zip: 873XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Calls everyday from a different number while I am at work. No message Portfolio Recovery Associates ... see there are many complaints against them. I owe not debt.
Company Response:
State: FL
Zip: 34110
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I do not recognize this account. Never had an account with this lender and I have never done any business with this collection agency that is trying to collect a debt I do not owe. Attached is my FTC report and letter. Portfolio Recovery Account Number : XXXX Amount of alleged debt {$1000.00}.
Company Response:
State: TX
Zip: 78653
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have NOT been in contact with this company except to file a complaint via CFPB. I asked the company to provide a ( Debt Validation Letter ) signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A