Date Received: 2023-02-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I do not know these people who they are or what they want. My debts are all paid or on time and the one which someone ran up without my permisssion and i decided to settle it. It had has been settled byXXXX as of XXXX 2023. I have gotten a phone call that I answered and they wanted a relative ( niece ) who I do not have contact with. I have no outstanding debts that are late or any negative debts.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have 2 portfolio recovery accounts on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.
Company Response:
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX I settled this debt with the attorney Portfolio recovery sent the debt too. Now my account is showing that I still owe over {$300.00}. I filed a dispute with XXXX, Portfolio claims the debt is valid. I filed a dispute with Portfolio over a week ago and haven't received a response.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a letter on XX/XX/XXXX from portfolio recovery. This letter stated I owe them {$5400.00}. this debt is from XXXX. I lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX til XXXX. They are telling me on the phone they got a judgment against me in XXXX XXXX XXXX XXXX Virginia. I never received notification of this court date that was in a Virginia court. I lived in XXXX XXXX during this time. I never had any opportunity to recieved court documents or the knowledge this was even going on in Virginia.
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX, alleged debt purchaser Portfolio Recovery Associates placed a collections account on my credit report with XXXX and XXXX. I learned about this when XXXX emailed me an update. XXXX never notified me about the alleged debt or communicated with me at any time by telephone, email or letter before it reported this account as delinquent. This violated the Fair Debt Collections Practices Act ( CFPB Amendment to Regulation F, effective XXXX ). On XXXX, I filed disputes with the credit reporting agencies, and I called XXXX to request the account be removed from my credit report. To date, XXXX refuses to remove it and it reported to XXXX and XXXX that this is a properly reported account, notwithstanding the 2021 Regulation F amendments.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Portfolio Recovery Associates has committed fraud and defamation. This company alleged I owe a debt however has not provided a copy of the XXXX or a copy of a lawful and legally binding contract between between myself and Portfolio Recovery Associates bearing my signature furthermore Portfolio Recovery Associates is not Licensed, Registered or Authorized to operate in the state of New York Where I reside a copy of all the state where they can legally operate is enclosed as an attachment. This company has also violated 15 USC 1692j ( a ) by furnishing deceptive forms to coerce me into thinking I owe this alleged debt which I will NOT pay unless they provide a copy of the XXXX, a lawful and legally binding contract with my signature between myself and Portfolio Recovery Associates and a copy of their license showing they can legally and lawfully conduct business in NYS. Further as a financial institution as per 15 USC 6827 ( 4 ) ( A ) has disobeyed 15 USC 6801 ( a ) by not providing me the opportunity to Opt Out of information sharing and sharing my non public personal information with non affiliated third party XXXX XXXX companies which has caused injury to my character, reputation, credit worthiness, credit standing and my right to extend credit. Proof provided as attachment labeled as Exhibit B
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery was sent a cease-and-desist letter in the mail, this company masks or spoofs their number to make it look like a local XXXX Tx number. This debt collector is using deceptive and harassing tactics. They will call and not say a single word after the phone is answered, only to hang up in your face after 7-8 seconds. only if you call them back then you can speak to someone as if you called them. This normally happens mid-day while someone is either working or busy at least once a day, if you don't answer to be hung up on its twice a day. The number PRS calls from is XXXX the last contact from this number I can recall vividly was XX/XX/2023 XXXXXXXX XXXX THEY OFTEN MIX THE LAST FOUR DIGITS TO MASK THE CALL!!!! therefore, it seems as if it's the first time they've called. Who calls and hangs up only in hopes to get someone to call back? THIS IS BLATANT HARRASMENT AND I NEED IT TO STOP.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PORTFOLIO RECOVERY My credit has been effected since portfolio recovery trying to collect from me XXXX that credit card was not mine. I have submitted a claim in my credit report. Need to take this off my credit report.
Company Response:
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Will Portfolio Recovery Associates , LLC remove the account from my credit reports after it has been resolved? Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately XXXX days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report.
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Disputed the inaccuracy of this account four times and requested documentation from the original creditor. The information remains incorrect and PRA refuses to provide the requested documentation.
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A