Date Received: 2023-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Between XX/XX/2023 and XX/XX/2023. The settlement was completed online. The agent stated they won't removed my card or give me settlement letter stating that the settlement and the remaining balance won't be sold.
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio recovery associates llc continously sends me, XXXX XXXX, a fraudulent account debt owed. It states its by XXXX XXXXXXXX XXXX for the amount of {$360.00}. I, XXXX XXXX, have made disputes for this previously and they are now attempted to collect this fraudulent account once again. The account is stated to be under XXXX ' and I would please like to get this removed, as I am and have always been unaware of this accounts origin and have been disputing for years.
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am in the process of applying for a Home Equity Loan. During the process it was discovered that there is a lien against my property in the amount of {$940.00} held by PORTFOLIO RECOVERY ASSOCIATES , LLC. I called the clerk 's office of my county and they advised that all they do is record liens. I then called PORTFOLIO RECOVERY ASSOCIATES , LLC and they could not locate an account associated with my social. I was transferred their legal department, I stayed on hold for a while and then they hung up on me. I then called the title company that ran the report and they're not sure what to say either. Also, the lien is held under a name I do not use. I was never notified of this debt, I am knowledgeable of my debts and this debt does not belong to me. This is threating my ability to receive the home equity line of credit and may result in other damages.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: delete this from my credit report please i pay for this
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was advised that a server had delivered court documents for a lawsuit to my mailing address in the beginning of XX/XX/2023. I am not married, so an open/ unsealed document being delivered to a third party violates 1006.6 ( d ) ( 1 ). The receipt of the court documents was the first contact received from Portfolio Recovery Associates LLC in this matter. As there had not been any calls or mail received regarding this manner, and Portfolio Recovery Associates has reported this matter to XXXX and XXXX ( shows last date reported was XXXX ), they also appear to have violated 1006.30 ( a ) ( 1 ) ( i ) ( ii ). Portfolio Recovery Associates LLC has not validated the debt, and failing to do so have violated 1006.34
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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 sent a letter to Portfolio Recovery Associates on XX/XX/XXXX and XX/XX/XXXX. Here are my tracking numbers XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation? I also sent letters to XXXX, XXXX, and XXXX regarding the same 2 accounts on XX/XX/XXXX and XX/XX/XXXX.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX, I received mail from XXXX XXXX XXXX regarding a debt of {$780000.00}. There were purchases made at XXXX that were not made by me. I had cleared myself of this debt with XXXX XXXX XXXX as it was a case of identity theft and I thought everything was resolved. But in XXXX XXXX, I received yet another mail from a different debt collection company, Portfolio Recovery Associates LLC, stating that I have a debt of {$7700.00}. Apparently purchases were made at XXXX XXXX during XX/XX/XXXX. I have never made such purchases with XXXX XXXX or anywhere for that specific amount of money. After receiving this letter I have called Portfolio Recovery Associates and XXXX regarding this issue. Both companies are now aware of this situation. Details regarding my personal information such as my social security number were incorrect. I do not know how my personal information was stolen from me.
Company Response:
State: NY
Zip: 11361
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$16000.00}
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Company portfolio recovery keeps calling repeatedly everyday and several times a day harassing me about a debt. I tried to explain to them that I am XXXX and am going through a XXXX case but doesn't seem to care.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent this company a notice of dispute via certified mail, with a confirmed receipt date of XX/XX/2023, at exactly XXXXXXXX XXXX local time. This company is obligated by the FCRA and the FDCPA to respond to my formal dispute within 30 days of receipt. On the XXXX day, I had not received competent evidence, bearing my signature, of my legal obligation to pay this debt. So I sent them a second letter explaining my right to remove of this inaccurate and unverified debt from my credit reports. They eventually sent an account summary to a random financial institution ( well after the XXXX window required by law ). I DO NOT RECOGNIZE THIS ACCOUNT. A printout of a random account summary from a financial institution I have NEVER conducted business with does not constitute verification or prove the debt was authorized by me. Much less does it prove any contractual obligation I have to pay anything to this third party company. Not only do I not recognize this account, but I also never authorized ANY debt to be sold to ANY third party in the first place. This company is in violation of the FCRA and the FDCPA. Here are the reasons : - They have failed to verify this alleged account within the 30 days required of them by federal law. ( I have competent, and date-stamped evidence of this ) - They have continued to report an item they know they can not verify as accurate on my credit reports, despite being unable to provide me with competent evidence, bearing my signature, of my contractual obligation to pay them. - I never authorized ANY debt to be sold to ANY third party. Not only are they unable to verify the alleged account as accurate, but this company is also attempting to collect a debt I most certainly never authorized to be sold to them.
Company Response:
State: AZ
Zip: 85757
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A