Date Received: 2023-12-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recovery Associates have been calling me for years regarding a XXXX XXXX credit card debt -- - I'm not confirming that the debt is even mine -- - for which the statute of limitations has long been expired ( XXXX years expired ). I have repeatedly asked them to stop calling me, but the continue. In addition to the continual phone calls, they send me letters on a ~monthly basis. They have followed me across multiple phone numbers and home addresses in multiple states.
Company Response:
State: NY
Zip: 10037
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear Customer Service, I am writing this to you to demand and request to remove the account of Portfolio Recovery Associates name and any associate account from all of my credit reports : XXXX, XXXX and XXXX. I want to demand to REMOVE all accounts under their name or any account related/associate to them or they trying to collect ; to be removed from all of my credit report. Reason : They don't stop of harassing me by sending me multiple letters of the account they allegedly they said I owe to them after cease and desist. Again, I have never singed any contract directly with them. They did not provide nothing to me to proof I owe them this money directly to them : For example : Chain of title/assignments, contract signed my me with my wet ink that I allegedly owe this money to them. The complete and signed contract for the debt obligation ; that are licensed to collect on a debt in the State of New York or proof of Good Standing under the laws of XXXX XXXX and the Secretary of State just to mention a few. Specially that this account does not pertain to them as Creditor, I want to request the removal of Portfolio Recovery Associates from all of my credit reports. I will appreciate if it is possible that CFPB report this request to the credit Borough which is : XXXX, XXXX and XXXX, This is a violation is in violation of FDCPA. Again, Please remove of my credit reports Portfolio Recovery Associates from all and any account reflecting to all of my credit reports. I will greatly appreciate it your assistance on this matter. For many years I am been affected emotional, mentally and physically from this people harassments. I want to put an end of this pain and suffering they has causing me as this is aggravating. I am very tired of this back and forth with them!
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The ILLEGAL reporting of the Portfolio Recovery account on my credit report has injured me and continues to injure me. I am providing proof of adverse action taken by lenders due to the reporting of the XXXX XXXX. They claim they had the authority by capital XXXX to collect on this debt. I asked for a full file disclosure and agreement between XXXX XXXXXXXX and them with wet signature, they never provided this. I have been disputing this since XX/XX/2022. In addition to not providing the XXXX documentation that gives them the authority to collect, I specifically communicated with them that I have never opted in for them to report to the any consumer reporting agency and I formally according to 15 USC 1681 and 15 USC 6508, and 6801 thru 6805 I indefinately OPT OUT of any reporting. The privacy policy from XXXX XXXX ( attached ), " We share information in a variety of contexts. For example, we may share information about you with : XXXX. We may share information with companies in the XXXX XXXX family. Business partners. We may share information with companies that we have partnered with to offer or enhance products and services for XXXX XXXX customers or prospective customers. For example, we may share information with XXXX XXXX XXXX partners, XXXX XXXX partners, XXXX XXXX partners, or XXXX partners that allow you to redeem XXXX XXXX XXXX. XXXX partners. We XXXX allow companies to collect information through our XXXX Services in order to provide marketing services to us, including to target advertising to you based on personal information collected across different websites, mobile apps, and devices over time. Learn more about how we use online tracking technology to conduct personalization, analytics, and targeted advertising, and how you can opt out. Service providers. We use other companies to provide services on our behalf and to help us run our business. We may share information with these service providers, or they may collect information on our behalf, for various business purposes. For example, we use service providers for hosting and securing our information systems, servicing customer accounts, detecting and preventing fraud, assisting with XXXX XXXX activities, communicating with our customers, and analyzing and improving our XXXX Services. Other XXXX XXXX with your consent or as necessary to provide our products and services. We share information with your consent or at your direction, such as when you ask us to share information with a XXXX XXXX app to track your finances or to share financing details with an XXXX XXXX when shopping for a XXXX. We also may share information with XXXX XXXX to provide products and services that you request, such as with merchants that are authorizing XXXX XXXX credit card transactions, with travel, entertainment, or restaurant providers when you transfer funds or send money to friends and family via XXXX, and with XXXX payment processors ( such as XXXX or XXXX ) when you make payment on our XXXX Services. Credit bureaus. We share information with credit reporting agencies, such as XXXX, XXXX, and XXXX, to report on or learn about your financial history and for other lawful purposes. Government entities and others with whom we share information for legal or necessary purposes. We share information with government entities and others for legal and necessary purposes, such as : To respond to requests from our regulators or to respond to a warrant, subpoena, governmental audit or investigation, law enforcement request, legal order, or other legal process. In connection with a proposed or actual sale, merger, transfer, acquisition, bankruptcy, or other disposition of some or all of our assets, in which case we may share information with relevant third parties. For other XXXX purposes, such as to enforce our terms and conditions, exercise or defend XXXX claims, comply with applicable laws, or if we determine that disclosure is necessary or appropriate to protect the life, safety, or property of our customers, ourselves, or others We may share aggregated and de-identified information ( such as aggregated statistics regarding the use of our financial products and services ) with XXXX XXXX for any purpose. '' I do not see and Portfolio has refused to provide the documentation on how portfolio recovery they are within XXXX XXXX 's privacy policy. Nonetheless, they continue to be allowed to not FULLY disclose nor document as per the law and continue to injure me by reporting to the credit reporting agencies.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I would to dispute the collections account for Account Card # Endimg in XXXX The Collections and account status is Disputed because their were unauthorized transactions on the account. The unauthorized transaction was a transaction With XXXX, Another Card was used to complete the transaction. XXXX cards were charged for the one transaction. The Bank Statement of the Bank used to pay XXXX XXXX is attached. The same card was used to make the purchase from XXXX : Transaction XX/XX/23 XXXX Debit : Signature XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$45.00} The transaction with the XXXX XXXX XXXX is suspected denied for low balance and a second card the XXXX XXXX was used. The card was lost and returned by the XXXX XXXX The transaction did not involve unpaid credit, the account status is incorrect, payments were on time exhibited on the Bank XXXX. The Collections were removed, the account was resolved previously. The account was resolved The Balance is incorrect, the balance is {$450.00}, more than the original amount credited to the Cardholder.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and Portfolio recovery systems have purchased my accounts from other creditors and do not have proof that I owe anything to them.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: this company, Portfolio recovery, calls me every-single-day, using different numbers each time -sometimes as early as XXXX am - these are just a few of the numbers they use to call me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93004
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that PORTFOLIO RECOVERY had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that PORTFOLIO RECOVERY open account was opened XX/XX/2021 with a balance of {$1000.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of building my credit. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that PORTFOLIO RECOVERY ASSOCIATION had illegally posted alleged collection accounts to my credit report. I have never started nor an opened account with this company. My report shows that PORTFOLIO RECOVERY ASSOCIATION open accounts were opened XX/XX/2022 with a balance of {$570.00} and {$920.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of refinancing my home. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls to my personal phone number, my wife 's phone, and my sons phone, and my work phone they have mailed me it is past statute of limitations they have tried to sue me twice, they do not disclose who they are this call was from XXXX XXXX Nevada, if you look it up there is nothing more than a general store. this needs to stop they keep breaking the laws. Previously on multiple occasions I received a letter stating they can not peruse me in any way shape or form legally but this constant " HARRASMENT NEEDS TO STOP ''!!!!
Company Response:
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX account # XXXX, PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX. ) account # XXXX, PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ) account # XXXX 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
Company Response:
State: CA
Zip: 90201
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A