Date Received: 2023-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Debt was removed from credit score around XXXX of XXXX. Still receiving calls as of XX/XX/XXXX.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Portfolio Recovery Associates for their violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau Regulation V, state and local law in Illinois, and industry guidelines. Portfolio Recovery 's response, " Because we purchased the account and contract XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX and XXXX is required to validate the account, '' violates the provisions of the Fair Credit Reporting Act ( FCRA ) Section 611. This section requires debt collectors to provide verification of the debt upon the consumer 's written request. I have indicated that I did not receive such validation and verification and their response does not meet the requirement. In addition, Portfolio Recovery 's statement that " business records provided to us by XXXX XXXX Bank ( XXXX ), XXXX ( XXXX XXXX ) reflect that on or about XX/XX/2015, XXXX XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX whose social security number ends in XXXX, '' is incorrect and inaccurate. I have ordered a new social security card and will soon prove that the name associated with those last four numbers is incorrect. This means that Portfolio Recovery has no contract in my name and social security number and did not verify or validate the alleged debt. Portfolio Recovery 's violation of the U.S.C codes, including 1681i ( a ) ( 1 ) ( A ) and ( B ), 1681e ( b ), 1692e ( 2 ) ( A ), 1692e ( 5 ), 1692g ( a ), 1692g ( b ), and 1692g ( c ), constitutes passive harassment, coercion, and abuse with the intention of hurting my credit score and stifling my financial success. Furthermore, Portfolio Recovery is violating FCRA Section 611 ( a ) by refusing to reinvestigate the accuracy of disputed information when requested by the consumer, Regulation V ( 12 CFR Part 1022 ) by failing to provide written verification and validation of debt within five days of their initial communication with the consumer, and industry guidelines established by organizations such as the Association of Credit and Collection Professionals ( ACA International ). I request that the Consumer Financial Protection Bureau take appropriate action against Portfolio Recovery Associates for their violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau Regulation V, state and local law in Illinois, and industry guidelines. I believe that Portfolio Recovery has failed to legally resolve my complaint and provide verification and validation of the alleged debt. Thank you for your attention to this matter.
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am repeatedly getting phone calls over seven times per week. I am getting calls early in the morning and late in the evening. Recently they started calling my place of employment and I asked them to stop. They do not stop. It is relentless perpetual harassment.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX ( XXXX ) called my husband who has nothing to do with my debt at XXXX in the morning and told him the amount of debt owed and told him that he had to pay it if I didnt. They then again contacted my mother from another number and told her she must pay the debt or she will be responsible. I can provide phone records from both instances. I can also provide where they call me up to 6 times a day some days but at least 2 times every day. I have asked for mailed correspondence and have not received anything. They could cause a divorce by telling my husband my business and my debt that he has nothing to do with. I am at the point I am going to get a lawyer if it is not resolved accordingly.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: That theyre calling for is that thats already been charged off and they had purchased this from the dead from the company that I quite of the dead. They were not show me the proof that they are the true that holder.
Company Response:
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Portfolio Recovery Associates sending my letters and calling me about old debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I try to fix this issue by dispute and try to negotiate instead they threaten me to take legal action if I dont pay them this debt. Please stop threatening me and remove this collection from my report due their debt collection practices and not validating this debt on time under the law FCRA regulations and requirements.
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX XXXX courts as well as Portfolio Recovery Asso. LLC which is the debt collector was aware of how to located me. XX/XX/2022 the above company was aware that I was the XXXX XXXX XXXX attorney, And per 15 USCS 1692 ( c ) communication in connection with debt collection talked about after attorney is stated they must only talk with the attorney representing the debt collectee. The above company was well aware of how to communicate with me since XXXX XXXX XXXX XXXX. They chose not communicate with me directly and instead communicated with the previous known address. There are many more violations other than the ones I wrote about.
Company Response:
State: AZ
Zip: 85132
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX XXXX courts as well as XXXX XXXX XXXX. XXXX which is the debt collector was aware of how to located me. XX/XX/2022 the above company was aware that I was the XXXX XXXX XXXX attorney, And per 15 USCS 1692 ( c ) communication in connection with debt collection talked about after attorney is stated they must only talk with the attorney representing the debt collectee. The above company was well aware of how to communicate with me since I was/am in prison. They chose not communicate with me directly and instead communicated with the previous known address. There are many more violations other than the ones I wrote about.
Company Response:
State: AZ
Zip: 85132
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery placed a negative remark and debt collection on my credit report in XX/XX/XXXX. Since I am not indebted to them for {$6100.00}, I sent their registered agent, XXXX XXXX XXXX, a debt validation letter. They received this certified letter XX/XX/XXXX but have not responded to it nor have they stopped collection efforts - their negative remark is still on my credit report. Per FDCPA federal law, it is unlawful to report a debt without first validating it and further, collection agencies are required to provide debt validation when asked and to cease collection during that time. Portfolio Recovery is expressly in volition of 15 USC 1692g and has provided me with legal standing to sue if they do not act in accordance with the lawful.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A