Date Received: 2023-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX debt was paid to the original creditor, Capital One, in full. I have no outstanding debt with Capital One, and no reason for XXXX XXXX to continue to claim that I do. XXXX. I notified XXXX XXXX that a. the debt was already paid and gave them documentation that showed proof of this payment through both email, chat and priority mail service. b. they continue to incorrectly report an open account with them to all three credit reporting agencies. c. that since the debt was already paid, they had no right to report my account to those agencies. XXXX. XXXX continues to report that I have an account with them that is unpaid and open. I have given them verifiable proof, and they are just ignoring it to be malicious. Each of the reporting agencies has verified that XXXX XXXX maintains it has an open account for me for the referenced debt. XXXX. As the debt was paid to the original creditor, XXXX XXXX is required to remove their notation from my credit file.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery bought a debt that I owed to another company. I don't owe them any money. I've never had an account with them. I've never done business with them. I've never talked to them, and yet they keep putting a collection on my credit report. They bought a debt, I didn't borrow anything from them
Company Response:
State: OK
Zip: 743XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 1.My debt was paid to the original creditor, XXXX XXXX, in full. I have no outstanding debt with XXXX XXXX, and no reason for Portfolio Recovery to continue to claim that I do. XXXX. I notified Portfolio Recovery that a. the debt was already paid and gave them documentation that showed proof of this payment through both email, chat and priority mail service. b. they continue to incorrectly report an open account with them to all three credit reporting agencies. c. that since the debt was already paid, they had no right to report my account to those agencies. XXXX. Portfolio continues to report that I have an account with them that is unpaid and open. I have given them verifiable proof, and they are just ignoring it to be malicious. Each of the reporting agencies has verified that Portfolio Recovery maintains it has an open account for me for the referenced debt. XXXX. As the debt was paid to the original creditor, Portfolio Recovery is required to remove their notation from my credit file.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I HAVE BEEN COMPLAING ABOUT COMPANY SINCE 2021. THEY HAVE STOLEN MY INDENTITY, USED ABUSIVE LANGUAGE TOWARDS ME AND HAVE DEFAMED MY CHARACTER BY REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS. PORTFOLIO RECOVERY COMPANY HAS CAUSE ME TO HAVE XXXX XXXX XXXX XXXX DUE TO THEIR ATTEMPT TO COLLECT A DEBT THEY CLAIM I OWE. I HAVE BEEN BACK AND FORTH WITH THIS DEBT COLLECTOR AND HAVE YET TO GET ARE RESOLUTION.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Alleged debt purchaser Portfolio Recovery Associates , LLC still has not responded to my repeated requests for certified copies of the documents that prove PRA received an actual, legally enforceable and valid assignment of rights to establish ownership of my account from original creditor XXXXXXXX XXXX XXXXXXXX XXXX for account ending in XXXX, that meets the requirements under Ohio law. Specifically, I requested multiple times a certified copy of the Bill of Sale, Assignment of Rights for account ending XXXX and documents reflecting that PRA paid actual consideration for my account to the original creditor to consummate the sale. As I have never heard of PRA and have never had any dealings with them, I maintain I do not owe them anything. Until I receive certified copies of the documents referenced above, under Ohio law I believe the original creditor XXXXXXXX XXXX remains the legal owner of my account. To date, PRA has only sent me unauthenticated copies of the original creditor 's pre-assignment monthly account statements, transaction and payment logs. These documents prove absolutely nothing in regards to PRA 's alleged status as a debt purchaser of my account, an alleged assignment of rights or PRA 's alleged real party in interest status for my account and the alleged debt. If PRA does not produce certified copies of the Bill of Sale, Assignment of Rights for my account and records confirming PRA 's payment of actual consideration that facilitated an alleged sale of my account within 30 days, I plan to file a lawsuit against PRA in Ohio small claims court for violation of the Ohio Consumer Sales Practices Act, which applies to alleged debt purchasers, among other consumer protection statutes. If such a lawsuit becomes necessary, I will request actual and nominal damages, as well as treble damages which the Ohio statute expressly authorizes.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Every day, for months Portfolio Recovery calls me. At varying times throughout the day, several times a day. And every time its a different number.
Company Response:
State: NY
Zip: 149XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I am involved in a debt lawsuit with this company beginning in XXXX and ongoing. The company failed to send a required XXXX XXXX prior to lawsuit. The company has filed multiple false and misleading affidavits in this case ( Attached ). Specifically, affidavits involving affiants XXXX XXXX and XXXX XXXX. This is in violation of XXXX 's recent XXXX agreement with the CFPB and the FDCPA. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b.2. This company has no permission to report anything using my information pursuant to 15 USC 1681 4.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have attempted several times to validate this debt, and that this company contacted me owns the Debt and they have failed to provide me proof of validation. They are not providing enough information and also using abusive language to scare me into paying them without them providing proper documents that they on the Debt in full. Pursuant to 15 USC 1692g as requested by the consumer the company must provide validation of debt they are also reporting to different account numbers and as a collection account but as an open account, there are a lot of discrepancies with this reporting and according to the FCRA all reporting must be XXXX XXXX accurate, XXXX XXXX verifiable, XXXX XXXX complete.
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Acount is on my credit Report, however after contacting the company reporting it, Portfolio Recovery, they do not have the account. The account is 6 years old and still shows as " open '', yet I have no way to verify the validity of the account at all as they do not hait in their system.
Company Response:
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As of recently has contracted several times via mail, has not validated the debt. I sent several letters and is not my account.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A