Date Received: 2023-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Fraudulent Activity with identity
Company Response:
State: NY
Zip: 10453
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates allegedly owns multiple collection " accounts '' impacting my credit score. It has been WELL over 30 days since I have disputed the debts, and submitted requests for my original contract with my original signature, an itemization of all billing on said accounts, as well as the the original purchase agreements that show they're the legal owner of the alleged debts, as well as all of the terms and conditions included in their purchase agreements. None of this information has been provided to me, and it has been several months since I requested the information and disputed the accounts. I receive well over 100 calls a month from varying phone numbers from Portfolio Recovery Associates. They have been early as XXXX, and late as XXXX. They call me on average 3-10 times a day, and most frequently at obsurdly late and early hours. I received one call from thr specifically at XXXX in this past XXXX. They are harassing me for debts they have failed to provide proof of ownership to, or proof of my responsibility for. The account totals are allegedly as follows : XXXXXXXX XXXX {$2500.00} XXXX XXXX {$670.00} Their abusive calling tactics are classified as harassment, and their failure to supply the aforementioned information in a timely fashion while said alleged debts have impacted my credit score, warrants a settlement of no greater than {$1000.00} to be paid to me by them.
Company Response:
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The Legal representatives of PORTFILIO RECOVERY ASSOCIATES - account number XXXX, ( i.e., XXXX XXXX XXXX - Attorney Code XXXX - XXXX, et al. ) ; files a XXXX XXXX action suit against me as the claimant, in XXXX XXXX, Alabama - Case # XXXX. The small claims states that their " records indicate that we purchased this XXXX XXXX credit account on XX/XX/2022 when the outstanding balance was {$720.00}. The problem with this false statement is that XXXX XXXX had already resolved this matter as a matter of Identity theft and fraudulent activity. Therefore, the outstanding balance was then written off as a lost. I verbal and written statement was provided to the fraud department of XXXX XXXX prior to any statement of collection by PORTIFILIO RECOVERY ASSOCIATES, and that information was then reiterated. In accordance with the Federal Trade Commission says youre not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss. Yet, PORTIFILIO RECOVERY ASSOCIATES, and their legal representatives still continue to make collection attempts. How do I stop this harassment?
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have no knowledge of this alleged debt and request extensive proof of debt. This is an XXXX 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. There is no written communication received regarding this debt. Please REMOVE immediately.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with original signatures, no photo copies. Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I setup a monthly payment with portfolio recovery. All of a sudden after the 3rd payment the payment amount went up against my consent to do so and against our original agreement, and then i continued to get texts and phone calls stating my payment arrangement had a problem. I have been called at XXXX XXXX and at XXXX. I have been called consistently throughout the day, even on weekends and sundays due to them breaking our payment agreement. It is affecting my workdays and my after work rest.
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Information is incorrect. balances are wrong address and names are incorect
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: To whom it may concern, I got a surprise mail this day from Portfolio Recovery Associates ( PRA ) regarding a 1099-C and Box 5 states : " If checked, the debtor was personally liable for repayment of the debt '' If they try to collect from me more money that will not happen. Because I will show this proof to the IRS that this debt was settled, is no longer in all my credit reports as they deleted this account this is actually an old account and the statute of limitations has passed. I know and I am aware that this company has plenty of complaints from higher corporations. This is nothing new but a tactic to collect more money from people who try to make a living, especially these days that is very hard to survive. I am attaching proof of the 1055C XXXXXXXX Letter plus a confirmation letter from PRA that this debt was settled! In addition, they are not the original creditor. That means they bought the debt for a fraction of a dollar. In addition, this debt is old and has passed the statute of limitation, especially with the new law updated by XXXX XXXX XXXX due to many frauds happening in these days with debt collectors. From XX/XX/XXXX, creditors can not sue or make a threat to sue consumers ( implicitly or explicitly ) on debts that are older than three years. Please see https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX XXXX XXXX, XXXX % XXXX % XXXX % XXXX % XXXX. I want to make this public so people in case they receive a 1099C from them, can do their research and read this info and what to do next. File a complaint to : XXXX XXXX XXXX ( State of NY ) IRS Complaint CFBP
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recover keeps on calling me everyday after I tried to settle the account and could not reach an amount number. I have asked several time to stop calling me, they have also tried calling me at work and haraism coworkers. i am afraid that I will loose my job as a result of their harassment call 's XXXX XXXX XXXX
Company Response:
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A