Date Received: 2023-01-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I went on the XXXX XXXX XXXX to see if portfolio Recovery was license to collect debt in new york and it show they are not license here in new york and thats Illegal from my understanding and they would have to be remove from my credit report
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I was contacted by PORTFOLIO RECOVERY ASSOCIATES , LLC regarding a debt owed on a closed account. The company contacted my mother and husband regarding this matter in XX/XX/2022. I have repeatably asked this company to stop contacting me regarding this closed account.
Company Response:
State: TX
Zip: 78217
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the federal credit reporting act, this creditors Portfolio Recovery and XXXX XXXX XXXX have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions. Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I recently wrote to Portfolio Recovery Associates, via certified mail, requesting the deletion of the following items : Account Number : XXXX ( Reporting on XXXX and XXXX ), and Account Number : XXXX ( Reporting on XXXX ) XXXX ( Same exact account information with two different account numbers ) I would like for you to have a copy of this document as well ( see attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. For starters, I have no idea why there are two completely different account numbers, but that is just one example of my credit report reflecting inaccurate and inconsistent information. Portfolio Recovery Associates continues to falsely verify these accounts whenever I dispute them with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Portfolio Recovery Associates, has stated to all parties. -the XXXX XXXX XXXX XXXX XXXX, The Consumer Finance Protection Bureau , -as well as myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Portfolio Recovery Associates has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes, which I believe that Portfolio Recovery Associates violated, -yet somehow, you still allowed Portfolio Recovery Associates to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Portfolio Recovery Associates above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether the account is verified or not ; it has become a compliance issue, which Portfolio Recovery Associates is seemingly willfully noncomplying. Furthermore, Portfolio Recovery Associates continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to Portfolio Recovery Associates, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, XXXXwhich has been like this for a long time, yet, Portfolio Recovery Associates continues to falsely verify as accurate. This has to stop!
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Please find attached, an Affidavit of Truth. The bullying stops today. Portfolio Recovery Associates never received my permission to communicate to me in connection to any alleged debt. Portfolio Recovery Associates has continued to harass me intentionally using consumer reporting as a coerce tool to try to force me to pay an alleged Time-Barred debt I do not owe. Portfolio Recovery Associates was issued cease and desist letter twice, XX/XX/XXXX and XX/XX/XXXX, to stop all collection efforts and communication on this alleged Time-Barred debt. The only communication permitted would be confirming termination of all collection efforts or actions to be taken allowed by the FDCPA or my state laws. Before statute of limitations expired, Portfolio Recovery Associates failed to provide proof that there was an alleged debt owed to them by me. In addition, Portfolio Recovery Associates failed to provide the bill of sale showing the value on how much they paid for this alleged account. There was no relationship, contract, agreement or an accounting ledger furnished between Portfolio Recovery Associates and I. Instead, Portfolio Recovery Associates has provided the same deceptive documents repeatedly for over a year that did not validate the alleged Time-Barred debt to them as recent as XX/XX/XXXX violating the cease and desist demand, and continuing to mark negatively tarnishing my credit rating violating the cease and desist demand. Portfolio Recovery Associates has been informed repeatedly that this alleged debt is not mine and they refuse to abide to the federal and state laws created to protect consumer from debt collectors like them. Portfolio Recovery Associates acts oblivious to their actions knowing their tactics are malicious, abusive and forms of harassment causes risks to my livelihood, credit rating, mental anguish, emotional stress, and reputation ruined defaming my character. The bullying stops today. This is extortion.
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery is calling me about a debt I was completely unaware of having. The bills and debt collections were being sent to my parents address and not my address. My mother handed me a stack of mail that had all of the bills from the originator and the letter for the debt collector which I am wanting to dispute. I am happy to pay the debt but would like to have this removed from my credit report due to the bills going to the wrong address.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Since the new year, it's only been 23 days. This company has called me over XXXX times. I get 2 calls a day from them. I have told them I do not have the money and they continue to harass me every day.
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Original Creditor : XXXX XXXX XXXX Reporting Company name : portfolio recovery. Bal. Reported : {$1300.00}. Claimed date of opening : XX/XX/ This account has been sold and charged off. I do not owe this dept.
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Portfolio Recovery Associates , LLC contacted me about a debt owed to XXXX XXXX. They called me while I was doing university work ; therefore, I could only be on the phone briefly. They should have emailed me to find a convenient time to call me. It was very intrusive and disturbed my important computer test for XXXX XXXX XXXX They could argue my phone should have been silent, but I was in the comfort of my home ( I attend University Online ) and left my phone on just in case someone needed to reach me for an emergency. The University did not require my phone to be off, so I left it on for emergency contact only ( my mother is elderly, and I am one of the few people she can contact in an emergency ). The phone number was an area code I recognized, hence why I answered the phone. Furthermore, I am not sure if the debt is mine. I have had credit cards, but that was over ten years ago. Hence I need to do an investigation to confirm the debt is mine. I did say over the phone that I did not have money to pay any debt because I am attending University and all my living is being covered by money from the University. I did not agree to anything over the phone. I did say to send me more information later because I could not be on the phone. My mind was focused on my University work, so I said the first thing that came to mind to disengage the call. I feel like I was being coerced into resetting the statute of limitations. If there is debt, it has surpassed that limitation by a lot. No actions have been taken except for the attempt to collect a debt. I received a phone call from this collection agency on XX/XX/XXXX for {$510.00}. They did sent me a letter that required me to prove I was going through a hardship ; in response to telling them to contact me later. Despite that, I was not trying to open a line of communication with them ; they should have emailed me to figure out when a convenient time to call would be okay.
Company Response:
State: AZ
Zip: 85019
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting act, PORTFOLIO RECOVERY is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 15 USC 1681 section 602 A states that I have the right to privacy. 15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of. Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A