Date Received: 2023-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX of XXXX, I received a letter in the mail from Portfolio Recovery Associates LLC Account Number- XXXX they have attempted to state I owe them a debt incorrectly. As of XX/XX/XXXX XXXX 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: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
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: Ownership I have no knowledge of this collection account. CONTACT INFORMATION PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I have tried to dispute this account but remains, I would like it removed as it is not mine and I have no knowledge of it.
Company Response:
State: ID
Zip: 83814
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: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Was contacted by Portfolio recovery on XX/XX/23 about a potential debt owed to XXXX XXXXXXXX. I told them I was not aware of such debt and asked them to please send me proof of this debt and gave them my mailing address and asked them to not contact me via phone again. They called again on XX/XX/23 and I again told them I already requested proof of this debt and to stop contacting me via phone. They called again on XX/XX/23 and I refused to answer.
Company Response:
State: ID
Zip: 83815
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: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The last payment on the account # XXXX is more than 7 years and should have been deleted, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/. '' Please delete this disputed account.
Company Response:
State: FL
Zip: XXXXX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been disputing this fraud for years and it has been extremely damaging and hurtful. Someone opened a XXXX XXXX Credit Card account in my name charged XXXX dollars ' worth of items and never paid the bill. Because companies can not keep my information safe, I have been a victim of multiple breeches, and other identity violations. I have suffered, denial of credit, increased cost of credit paying 159 % interest for a small personal loan, lost opportunity to obtain credit, and failure to receive unsolicited offers. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. recipients on the credit report show who has received it ; damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in direct violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092 ; and 15 USC 1692g , 1692c, and 1692j. Please remove this off all my credit reports immediately.
Company Response:
State: KY
Zip: 40511
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Portfolio Recovery are currently reporting accounts in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Company Response:
State: NV
Zip: 89101
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I've been getting several calls monthly to my cellphone now daily from Portfolio Recovery. The numbers are all based in Washington state but they may not be legitimate. I got one today and after doing a XXXX search for the phone number it's listed to a XXXX XXXX with Portfolio Recovery. Neither my wife nor I have any debts in collections so I don't know why I keep getting these calls. I won't post my cellphone number in this complaint because I don't want PR to know it's a working number. They will keep calling it unless stopped by your agency. I've worked as both a credit counselor and a bankruptcy counselor so I know not to engage with these people. I don't answer any of the calls and none of the callers have left a message. These are most likely robocalls. I block every phone number this company uses and but it must have an unending supply of phone numbers from different states to use. PR is based in Virginia and to the best of my knowledge there are no offices in my state.
Company Response:
State: WA
Zip: 98366
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: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Portfolio Recovery is currently reporting an account in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Company Response:
State: NV
Zip: 89101
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: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Company called me 10 times in a row Company called my job about debt Company sent strangers to my house to harass my family and i Company sent fake law suit to me
Company Response:
State: CO
Zip: 80249
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello, I reached out to portfolio recovery associates on two separate occasions which I will go in to detail, I am working on disputing an alleged debt with the company. On XX/XX/2023 I reached out to the company through their provided email mailto : XXXX at XXXX pacific standard time I waited roughly 14 days for a response but nothing. So I sent another email stating To Portfolio Recovery Associates , LLC Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I received your letter communicating your attempt to collect an alleged debt that is listed below : Debt Collector Acct XXXX Alleged Amount/Balance - {$3500.00} Alleged Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX Be advised that I Deny and Dispute the Validity of this Alleged Debt Entirely. Your Communication attempting to collect this alleged debt was within 6 months. I REQUEST1.9K Verification of this Alleged Debt. I am REQUESTING a copy of a contract or agreement. Contract or Agreement must be the with the original creditor and signed by all parties involved. Understand that vou are illegally attempting to collect this alleged debt, that I do not owe. I am also requesting that you cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly request deletion of any and all ... reporting that was made to all consumer reporting agencies/credit bureaus. If you comply with my deletion request within 14 days, verification is excused. Also promptly send me a veriDislike letter confirming the request to all consumer reporting agencies/credit bureaus deletion of your reporting of this alleged debt. This letter and all other evidence may be provided to the Consumer Finance Protection Bureau. This email was sent XX/XX/2023 at XXXX pacific standard time. Same format for three separate alleged debt accounts held by the company. They have failed to provide original signed documentation from all parties involved not to mention are still reporting with all three major credit unions.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A