Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not this company any money. I dont have a contract with company. Please delete this account off my credit. Not mine delete
Company Response:
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Have had several reps being disrespectful asking how I manage to pay my other bill and can't pay this. Said if not paid will take me to court and wage garnishment. This would definitely not come off my credit report. Asked to original contract with wet signature, original payment history, and purchase of assignment and was told they could not give this because not in file.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery has kept calling and calling me without any reservations at all. I dont know who they are or why they are harassing me. I came across their information within XXXX XXXX and it shows they are reporting two accounts that should not be accounted for. It is hurting my credit opportunities and I would like for them to remove it since I do not owe them anything. They need to provide me with a signed contract between me and portfolio recovery if not they must immediately remove this negative remark and update all credit reporting agencies. Notice is below to them : This will notice will serve as a validation 609 letter. This letter is a formal complaint that youre reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, section 609 section A1A. You are required by federal law to verify through physical verification of the original sign contract, any and all the accounts that you post on the credit report.
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was sued in court by Portfilio Recovery stating i owed a debt to them i do not owe, I even went as far as trying to just pay it so they would stop hurting my credit, I requested a letter from them stating if i paid it theu would remove it from my credit and they refused.
Company Response:
State: TX
Zip: 78239
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am attaching all letters sent to PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ) along with proof of delivery and copies of certified mail documents. On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to PRA regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. PRA did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. I NEVER RECEIVED A RESPONSE. On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXX XXXX on XX/XX/XXXX at their XXXX, VA address. Again, NO RESPONSE. PRA was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). Since PRA has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2023 I communicated via certified mail to Portfolio Recovery Associates , LLC on XXXX XXXX Portfolio Recovery Associates , LLC, did not respond on timely manner by XXXX XXXX Ignoring same .Company is aware and in knowledge account not mines I have nothing to do with account and I have requested a cancellation letter, Portfolio Recovery Associates , LLC, account number XXXX is inaccurate and misleading company account inconsistent Im attaching letter and documents sent to company on XXXX XXXX That company ignore to respond Account not mines Thank you XXXX XXXX
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am currently being sued by portfolio recovery for a debt that I have asked for validation on several times to no avail. They have yet to prove their right to collect on this debt. We have had 2 court dates in which Im not even sure if they showed up because they didnt speak but the judge keeps telling me he will continue the court case and that I should settle out of court. Even though I do not agree with the judge as I feel Portfolio Recovery is violating 15 USC 1681 I have tried to call and settle and spoke to a lady with a very nasty attitude. I offered to pay {$1700.00} that day in order to settle she said no and also said my account is not eligible for settlement. At the last court date I advised the judge again that Ive called and they refused to settle. No one spoke up on behalf of portfolio to confirm my account is not eligible for settlement in court. He then told me to try to call again! I feel as if they are not abiding by the judges orders in addition to never proving that they can even collect on this debt. My next court date is in XXXX and this time Ill be present with an attorney and a counter suit. I am in the process of buying a home and Im trying to put this behind me.Please help!
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I'm having a problem removing a collections account from my credit because of Portfolio Recovery Associates , LLC. They are refusing to remove the negative account and have made several attempts to collect on a debt in which they purchased from XXXX XXXX, whom purchased the debt from XXXX ( I believe ). From my own research of the XXXX XXXX XXXX report, Portfolio Recovery Associates , LLC isn't registered in my State to even collect a debt, but yet that company continues to reach out for payment. Also, I NEVER APPLIED NOR USED ANY CREDIT CARD FROM XXXX!!!!! Any of the few purchases I made via that app, the funds were direct deposited from my checking account every single transaction.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Portfolio Recovery has called me And been verbally abusive with every call and has threaten legal action if I did not pay the XXXX dollar debt to them. I asked for proof of the debt and they got mad and started being more rude and using foul language
Company Response:
State: CA
Zip: 94553
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello. The account on my name ( XXXX ) is not properly validated in compliance with FDCPA statutes. Portfolio Recovery Associates failed to validate the debt info and dont have right to collect. They haven't done proper research or helped resolve the account issue. Please verify the debt and send new validation and make sure the names and addresses match with my person. I demand that correct information be sent and that it truly validate the debt.I will continue to dispute the account until they resolve the issue.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A