Date Received: 2023-04-04
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: the company is calling on the weekend too. Saturday and Sunday. like please. I know. they send letters. calls too. they even call at XXXX XXXX on a sunday. phone is for emergency purposes only. you are not gon na die. dont call everyday. that should be illegal.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account.
Company Response:
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates _ XXXX and charge for {$290.00} I recently discovered two charges on my credit report, published by XXXX XXXX, totaling approximately {$200.00} and {$1500.00} respectively. These charges are fraudulent and were disputed via XXXX XXXX in an attempt to have them removed. However, disputing them reset the timer on their reporting, resulting in them being published as new on my report for an extended period. This however, should not have occurred since the processing went through XXXX. In an effort to resolve this issue, I reached out to Portfolio Recovery through certified mail on XX/XX/2022, requesting information regarding the issuing party and proof of my ownership of the disputed charges. Unfortunately, I have not received a response from them. I have also sent two emails in XXXX, but they remain unanswered. It seems that Portfolio Recovery is aware that the charges are fraudulent but has failed to respond to my attempts to clear my name. As these charges are affecting my credit score, I am requesting that they be dropped from my report immediately. Thank you for your assistance in resolving this matter.
Company Response:
State: CA
Zip: 95820
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
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: This debt collector refuse to follow the law. This company Portfolio Recov Assoc account number ending in : XXXX identified as a debt collector for alleged debt. They said a 1099C tax document was sent but no such document from the IRS was sent for this alleged debt. If such document does exist they are breaking federal law trying to intimidate and collect on this alleged debt. This company ignored my cease and desists order and sent deceiving information and i never gave written consent as the natural living person ( Consumer ) to furnish This alleged debt. I have included the fraudulent statements they sent me via mail. Pursuant to 15 U.S. Code 1692e - False or misleading representations which this company has multiple violations and identify as a debt collector. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 1. The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 2. The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 3. The false representation or implication that any individual is an attorney or that any communication is from an attorney. 4. The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 5. The threat to take any action that can not legally be taken or that is not intended to be taken. 6. The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 7. The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. A cease and desist was also sent to this company and it was violated numerous times which is unlawful .As the natural living person and consumer i have a right to privacy. pursuant to 15 USC 1681 i have a right to privacy 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This company is not the original creditor and a 1099c tax for alleged debt was not provided for discovery.They dont even have the legal right collect in the state. Also statements from said alleged debt is not a violation of debt a can never be. I will Be contacting the CRA and my Attorney general of all these violations and be seeking damages if this account is not deleted immediately. They need to Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation : Statements are not a validation of debt. This Portfolio Recov Assoc account number ending in : XXXX needs to be removed immediately! See Spears v. Brennan, Pacific Concrete F.C.U. V. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). See also Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ).
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have made several attempts to have this debt removed by disputing it from the credit bureaus ( credit karma ). Back in XXXX, I obtained a XXXX credit card. I paid the bill according. In XXXX, a tv was purchased in XXXX, IA. I paid the monthly bill according. I reached out to the company back in XXXX, regarding an erroneous item placed on my account. The company assured me they would repair this. I continued to make payments. I continued to write to have this removed. Back in XXXX, I was told XXXXXXXX is no-longer an account holder. In XXXX, I was sent an old statement from Portfolio Recovery Associates , LLC claiming I still have a balance. I wrote the company asking for the original account statements to show me the exact items purchased. They sent me statements dated from XXXX and XXXX, both which are incorrect. As I previously mentioned, the last purchased item was made in XX/XX/XXXX. I need your assistance to have the account permanently removed from my credit history.
Company Response:
State: TX
Zip: 78724
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I checked my credit report and saw XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX. In the amount of {$460.00}. This is due to fraud as I was incarcerated. As they can see from account opening there was never any activity on the account.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi, Account name : Portfolio Recovery Associates # Account Number XXXX XXXXXXXX has violated my rights. They have not produce documentation showing how they got my information. They have place a debt collection on my credit report which is hurting me the account is falsely obtain by PRA. When I called customer service they said a 1099 was never done on the account but on my credit report is says written off bad debt. Portfolio Recovery Associates collector can not provide proof that I owe this debt and that they are now owner of this debt. They have harassed me over and over they haver called me repetitively via phone calls. I have called and send certified letter requesting the following : Alleged account number Name on file for the alleged debtor Date the alleged debt became payable Date of original charge-off and delinquency A complete accounting of debt Any judgment obtained by the creditor To date they have not respond or mail me back. In accordance with the Fair Credit Reporting act Portfolio Recovery Associates violated my federally protected consumer rights to privacy and cocnfidentiality under 15 USC 1681. Portfolio Recovery Associates has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have sent certified mail with copies of my credit report to all three credit bureau several times about these inaccuracies on my on my credit report with no resolution. In the mean time this is hurting me and my family please help. Thank you, XXXX XXXX
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have obtained my credit report and found accounts Ive never opened, and addresses I never resided, inquiries I never made and also different variations to my name. I also found this account that I believe is not mine : Acct name : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt and I do not have a contract with : Company : PORTFOLIO RECOVERY Ive filed multiple disputes. Filed a complaint with the XXXX. Ive attached Police report & also letters Ive sent PORTFOLIO RECOVERY. I also plan to consult with an attorney about this matter. Please delete this account from my credit report at once. I need a response from this company
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023, I spoke with a representative of Portfolio Recovery via telephone call and requested the original contract with my signature, the original creditor information, including names, address, and phone number of the original creditor, the payment history, with the itemized billing associated with the account, and proof of ownership of the debt that is owed. As of XX/XX/2023, I had not received this information, going past the allotted 30 days for this information to be turned over to me. I requested in writing on XX/XX/2023, for Portfolio Recovery to provide the above documentation. On XX/XX/2023 and XX/XX/2023, I received a letter in the mail from Portfolio Recovery with billing statements from the account, however it didn't include the payment history, the itemized billing associated with the account, or the original contract with my signature on it. According to the Fair Credit Reporting Act, section 609 A1A, Portfolio Recovery is required by law to verify through physical verification of the original signed contract, all accounts that you post on a credit report. I demand to see verified proof, and until the above documentation can not be provided to me, I do not believe validity has been established. I am asking Portfolio Recovery to provide the payment history, the itemized billing associated with the account, and the original contract with my signature on it. If they are unable to produce these documents, then the debt needs to be removed from my credit report.
Company Response:
State: OK
Zip: 738XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, On XXXX XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXX XXXX to pay off the balance however, on XXXX the check was deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) to a Misc Deposits account, despite I have never had an account with Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ). After opening XXXX disputes with XXXX XXXX XXXX XXXX ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). To resolve this matter, I am requesting Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. Thank you for your assistance in advance!
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A