Date Received: 2023-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i XXXX XXXX do not owe portfolio recovery any money they are debt collector that buys debt but i dont have a signed contract with them they need to delete this item off my credit report asap delete this asap
Company Response:
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As of XXXX XXXX Portfolio Recovery had reported on my credit report an account of {$2700.00} as a collection. I have spoken with the company, I have requested a validation of debt many times, and the company has failed to provide me with such documents. The company had contacted several family members and after I have requested to be contacted through mail only. I continue to receive calls at all hours and account still shows as collection on my credit report.I would like the company to delete such account from my report since they have failed to provide a validation of debt.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent letters initially to XXXX, XXXX, and XXXX requesting verification for an account on my credit file being reported by Portfolio Recovery. It was verified and I was told to contact them directly to ask for a method of verification. When I did, they just sent me a copy of a credit card bill. In my letter sent on XX/XX/2023 and XX/XX/2023, after checking the nmls consumer access and seeing that XXXX was not a state they were authorized to conduct business in, and I reside in XXXX, I asked for proof that they could operate in the state of XXXX and verification of the account they are reporting on my credit file other than a copy of a bill. I didn't received adequate debt validation.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In review of my XXXX credit report I noticed that a collection has been reported without any notification for Portfolio XXXX. I do not know who this company is and why they are violating my consumer rights. They show as opening this collection on XX/XX/XXXX which is in direct violation of the FDCPA Regulation F. This rule was passed in XX/XX/XXXX which clearly states : Actions Which Must be taken Prior to Credit Reporting : Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. This company has not abided by the law! They have just knowingly and willingly placed a debt that I do not identify on my credit file and has hindered my ability to get approval from other lines of credit.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: A certified letter dated XX/XX/XXXX disputing this alleged debt and requesting that Portfolio Recovery Associates validates was sent. On XX/XX/XXXX, I received a call from an old friend stating that they received a call from XXXX XXXX XXXX at XXXX about a debt that I owe to Portfolio Recovery Associates. Then I received a call from this company on XX/XX/XXXX at XXXX, phone number XXXX, and spoke to XXXX XXXX XXXX ID : XXXX. I informed him that I previously mailed a letter demanding that that validate the alleged debt and to send me said documents via postal mail. XXXX stated that my letter was received, the dispute was closed, and that it why he was calling me. I then received a letter on XX/XX/XXXX from Portfolio Recovery dated XX/XX/XXXX with XXXX months Statements from XXXX XXXX which does not validate this alleged debt. On XX/XX/XXXX, I sent another certified letter ( Tracking NumberXXXX ), and it shows that it was received on XX/XX/XXXX. The letter demanded that the company validate the alleged debt, to not contact me via telephone. I also asked that they delete this account from my credit reports since they failed to validate it. As of XX/XX/XXXX, I have yet to hear back from Portfolio Recovery and they continue to report this account on my credit reports. They last updated it with the credit bureaus on XX/XX/XXXX. I also disputed this account with the credit bureaus, they continue to say it was verified with the collection agency
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I want them to correct and remove the error from my credit report. I contacted XXXX XXXX XXXX regarding portfolio recovery I was in communication with portfolio recovery through the XXXX and he stopped communicating with me. I am contacting you as a means to resolve this unfair practice its just unfair. XXXX XXXX
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I sent the collection company ( Portfolio Recovery, LLC ) a letter on XX/XX/2023 asking them to stop contacting me about a debt in the amount of {$1000.00} from a XXXX XXXX account XXXX as the debt was from XXXX and could not collected on due to my state 's ( New York XXXX statute of limitations on such a debt. Despite this, I received a letter on XX/XX/XXXX and a call on XX/XX/XXXX at XXXXXXXX XXXX EST about the debt in question. In addition, calls before and after sending the letter have consisted of hangups upon being answered, in a manner that feels like harassment.
Company Response:
State: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I Never received the initial notification letter regarding the account in compliance with states and federal law I was in the XXXX CA XXXX XXXX jail, from XX/XX/2020 until XX/XX/XXXX XXXX the address is XXXX XXXX XXXX, XXXX CA XXXX. I have never received the notification if I did I would have disputed the debit.
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX reported my personal information was stolen in a Data Breach XXXX spam Database reported XX/XX/2019, the charges on this account are the result of identity theft.
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A