Date Received: 2023-03-05
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: XXXX XXXX company contacted my employer and cause my employer to harassed me after they contacted him.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX we purchased an adjustable bed frame, but once it was received, we found it would not work for our needs. We contacted XXXX firm, and they told us they could not credit the account until the original order was received back, but they would open another account to place the new order. They said once the original order was received, they would credit and close the original account. That never happened. This debt was paid in full on XX/XX/XXXX. There were some unique circumstances, and we contacted the original debtor ( XXXX XXXX XXXX ) MANY times after the charges were paid, and were assured that this would be reconciled. Once Portfolio Recovery Associates bought the debt, they did not have access to all of the pertinent information and were unable to assist. Below is a timeline of what occurred and the problems with this account. XX/XX/XXXX - We spoke to XXXX XXXX with XXXX XXXX and placed an order ( XXXX XXXX. : XXXX ) for an adjustable bedframe and mattress, the total charge of {$2400.00}. This account/credit card number ending in XXXX. No interest for 12 months. XX/XX/XXXX The bedframe was delivered, however mattresses were not. The mattresses would not be available until XX/XX/XXXX. XX/XX/XXXX XXXX It was clear to us that the bedframe would not be suitable for us, so I reached out to XXXX XXXX XXXX via email to advise. He responded via phone and agreed to accept the return and we ordered the bedframe that would be appropriate ( XXXX XXXX. : XXXX ) XX/XX/XXXX Because the credit line wasnt enough to cover the return AND re-order simultaneously, he ( XXXX XXXX ) advised that we would have to open another credit card. This account/credit card number was XXXX. No interest for 12 months. XX/XX/XXXX We ordered the correct product and were assured that once they delivered the new bedframe and picked up the incorrect one, that a full refund would be given and that credit line and order would be closed. XX/XX/XXXX The correct product was received and the original was taken. The new total balance being {$2200.00}. The original account/credit card number ending in XXXX, was closed. We began making payments on the line of credit ending in XXXX. I will agree that we were late or missed payments, losing the interest-free promotion. XX/XX/XXXX We received the mattresses to complete the order. XX/XX/XXXX This charge was paid in full by us in the amount of {$2400.00}. They are now suing us for a debt we paid 100 % that was wrongly sold to a debt collector by XXXX bank. We have disputed multiple times over the past 3 years, and contacted all involved multiple times, but no one seems to care that we have proof from our bank account that we paid it.
Company Response:
State: TX
Zip: 75092
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/23, My case was approved for XXXX XXXX discharge. The next day, XX/XX/23, XXXXXXXX XXXX XXXX called with a robot call that told me to press one to make a payment. Then a strange one came in specifically indicating that " we do not have any bankruptcies or tax forms sent or received on this account, so it is still outstanding. " XXXX on both my cell and work phone. So went through the prompts to see who this was and get some documentation about the debt. It was an automated system forcing you to go to a website to pay. They mentioned a different name and XXXX Bank, and then an amount I could not catch. I went to the website and learned by my social security number this collection company was on my credit report. XXXX XXXX XXXXXXXX XXXX. This debtor is all over my credit report. I am also learning and am ashamed to share that my son may have stolen my identity using several different names. I found out when I was trying to buy my first home. I spoke to my attorney, and he just told me that he would send me a notice of Filling Bankruptcy and keep all phone calls, emails, and letters sent so he could take further action while I was filling out this complaint.
Company Response:
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: These items are not mine. Please assist in removing them.
Company Response:
State: TX
Zip: 77642
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery ( XXXX ) XXXX calls repeated times throughout the day, often beginning at XXXXXXXX XXXX and then multiple times throughout the day. The debt they are calling about was written off in XXXX when I declared bankruptcy.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES , LLC has furnished an inaccurate, unverified account on my consumer report. I have provided accurate ( factual ) verified proof that clearly states this debit is not XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they responded with a stack of bills claiming it validates this debt to be mine and it does not and in doing so they refuse to remove this debt from my consumer report and it has cause my credit score to drop drastically and I have not been able to get above for loans, lines of credit or set up business credit for my business as well as mental anguish and anxiety due to this inaccurate, unverified account on my consumer report.
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2019 portfolio recovery associates , llc starting to report a derogatory collection tradeline to my credit report which has to be In result of identity theft this account reporting on my credit report has absolutely tarnished my more then perfect XXXX XXXX as long as my overall report they have been reporting a past due balance on a month to month basis which is not supposed to be done I am demanding for the collection tradeline to be deleted from my credit report on all credit Bureaus, I am urging for this collection tradeline account to be permanently removed from my credit report within the next 30 days I will be attaching supporting documents in order to show how its reporting to my credit report and how awful it is affecting my XXXX XXXX and overall credit report.
Company Response:
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Have sent several letters to portfolio recovery for verifiable proof that the said debt is mine. I have failed to hear back from this company. It has been months with no response.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Company Response:
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX of 2023, I received a letter in the mail from XXXX XXXX XXXX XXXX Account Number- XXXX they have attempted to state I owe them a debt incorrectly. As of XX/XX/2023, I am contacting them to inform them of my consumer rights under federal code 15 USC 1692k and 1692CA. This company is more interested in verifying my information instead of understanding my federal rights. I have never given consent to this company to contact me over a debt and there is not a good time to discuss this debt. I want this company to cease and desist from contacting me and not report to any credit reporting agencies, and I want to know how they got additional information 15 USC 1692B. I am also requesting a visual contract with this company.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A