Date Received: 2023-01-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery : calls me several times every day from different numbers and it just doesn't stop. I owe them nothing and told them to stop calling me and it still keeps coming.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with an account listed under Portfolio Recovery Associates , LLC and validation was requested on XX/XX/2022 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from the creditor to validate this account is correctly belonging to me. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account legally and the account continues to negatively affect me. Also, XXXX is reporting a different account number form the other two credit reporting agencies. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Company Response:
State: LA
Zip: 70301
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: To Whom It May Concern : First, this is a disclaimer to let you know I, XXXX XXXX, wrote this letter and not a credit repair company. I received a copy of my XXXX, XXXX and XXXX credit report, and noticed a collection that needed to be deleted. The item is as follows : PRA GROUP, INC : FORMERLY-PORTFOLIO RECOVERY ASSOCIATES INC Pursuant to the Fair Debt Collection Practices Act or 15 USC 1692g , more specifically 15 USC 1692a - Definitions, debt is defined as follows : ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. This is an ALLEGED debt that I do NOT owe. Pursuant to 15 USC 1692g, I have the right to verify a debt, and this is an ALLEGED debt that I do NOT owe, therefore : this INACCURATE information needs to be DELETED from all consumer reporting agencies. You had no permissible purpose by law to report this alleged debt and have violated 15 USC 1692g - Validation of debt because you failed to satisfy all 5 requirements, which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I am not requesting a statement of generalized accounting, as this would NOT be accurate because it is NOT an authenticated record. I am demanding a request for accounting, pursuant to the Uniform Commercial Code ( UCC ), which is recognized as commercial law. UCC Article 9-210 ( 2 ) is noted below. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. ( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ). ( XXXX ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request. If your agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority. If you cant send me an actual ORIGINAL contract with my signature on it, you have no right furnishing this inaccurate information and not only have you violated my right to privacy, but youve violated various statutes of BOTH the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) simply by reporting this alleged debt. Im not sure if you know, but violations of these sections make you liable for at LEAST {$1000.00} per violation. Even if you satisfy all 5 requirements, I am the one that has the right to verify whether it is my debt or not and as I have previously stated this is an ALLEGED debt that I do NOT owe. I have sustained defamation of my character as a result of this information and am demanding you to delete the above accounts from my consumer report. Furthermore, I demand that you CEASE and DESIST all efforts to collect on this alleged debt and may only communicate with me further under the stipulations of sending me a letter with this alleged account deleted. As a reminder, your company agreed to abide by the rules set forth by the SEC : Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. You have 14 days to respond upon receipt of this letter to delete the negative items and send me a new letter, notifying me that the information has been deleted from all consumer reporting agencies. CC : Securities & Exchange Commission Federal Trade Commission XXXX XXXX XXXX of Louisiana CFPB PRA GROUP, XXXX XXXX file number : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Executive Vice President and Chief Financial Officer XXXX XXXX XXXX XXXXXXXX, Chief Executive Officer and Director ( Principal Executive Officer Registered Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is against Portfolio Recovery because they are reporting on my consumer files claiming I owe them a debt in regards to a XXXX XXXX account. I have sent this company a debt validation request directly to there Disputes mailing address XXXX XXXX XXXX, XXXX VA XXXX on XX/XX/XXXX tracking XXXX. Portfolio Recover had recieved my request on XX/XX/XXXX. Portfolio Recovery has sent a correspondence XX/XX/XXXX stating that the documents attached to there letter establishes the validity of this account. The documents that were attached to there letter was 2 XXXX XXXX statements. To my understanding without proper validation proof, I have full right to refuse to pay a alleged debt to this debt buyer 1692c ( c ) until proper validation has been supplied. Statements is not a form of proper validation that the courts will use to grant this alleged debt valid. The same validation information I requested will be the same information requested in court. The fact that Portfolio Recovery is verifying the validity of the account by providing only statements, tells me this debt buyer does not have legal proof nor any form of contract bearing my signature. Portfolio Recovery did NOT provide a notice of sale, original contract between myself and the original creditor or a signed agreement between myself and this company agreeing to pay them what they claim I owe. So as a consumer, after I requested validation proof and only recieved statements as a response claiming to be validity, I DO NOT VALIDATE this alleged debt this company is claiming I owe and as far as im concerned by this company only providing me with statements this company is commiting FRAUD because they are advertising on my private non public consumer files making me feel as though coerce payment in necessary 1692d ( 4 ). XX/XX/XXXX I sent Portfolio Recovery a direct letter once again putting them on notice of the violations and the specific errors they are reporting to the consumer reporting agencies tracking XXXX and they received my letter on XX/XX/XXXX and Portfolio Recovery responded on XX/XX/XXXX specifying that Because your dispute alleges no new facts and includes no new information in which to form the basis for anew investigation, we will not be conducting another investigation of the dispute pursuant to 15 u.s.c 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ll ) of the FCRA. I disagree with portfolio because the last letter I sent them I specified each error that was reporting on my consumer files but portfolio recovery is claiming I didnt attach no new facts? This account is reporting a past due {$720.00}, a payment history, a term and a on record until XX/XX/XXXX with XXXX. XXXX is reporting a past due {$720.00}, there misrepresenting themselves as a XXXX XXXX Account and the 7 year reporting date to be XX/XX/XXXX. The statement that I received says the this account was 6 months past due for the statement closing date of XX/XX/XXXX, this tells me that the date of commencement that led to the delinquency occurred on XX/XX/XXXX, further more proving that XXXX nor XXXX was not the month of the XXXX delinquency to determine the 7 year reporting period 1681c ( c ) ( 1 ). So the fact that portfolio recovery denies there are any inaccuracies being furnished to the CRAs is completly false. This account Portfolio Recovery original creditor XXXX XXXX has not been validated and information is in fact being reported inaccuractly. Portfolio Recovery clearly specifies themselves as a debt collector so the fact that they are reporting as a XXXX XXXX Account is a FCRA violation of false misleading representation because Portfolio Recovery is using another COMPANY reference themselves other than the true name of the debt collectors business 1692e ( 14 ). Portfolio Recovery is practicing UNFAIR practices because they are trying to collect a amount that was not permitted by law for them to collect on in the first place 1692f ( 1 ). It is not my fault that debt buyers purchase debts for pennies without legal validation proof included. I also believe that this debt buyer is misrepresenting themselves as a creditor because the fact they are reporting a past due and a payment history with XXXX. Portfolio Recovery never extended me credit and without proper validation, I do not owe Portfolio Recovery, therefor themselves misrepresenting themselves as a creditor is unlawful. Ive made it very clear on the definitions regarding a debt collector and a creditor in the last letter I sent them that I got directly from the FDCPA handbook 1692a ( 4 ) the term creditor means who offers or extends credit creating a debt or to whom a debt is owed, but such term DOES NOT include any person to the extent that he receives an assignment or transfer to the debt in default solely for the purpose of facilitating collection of such debt for another. Portfolio Recovery CLEARLY did NOT extend me creditor and without validation proof, I DO NOT owe portfolio recovery anything. Therefore Portfolio Recovery is NOT a creditor and should not be reporting as a creditor on my consumer files. 1692a ( 6 ) ( F ) ( ii ) the term debt collector does NOT include any person collecting or attempting to collect any debt owed or due that concerns a debt which was originated by such person. In addition, I have the last statement from XXXX XXXX before Portfolio Recovery purchased this account in the following month of XX/XX/XXXX. In the last statement of the statement closing date of XX/XX/XXXX, it clearly specifies the New Balance was {$720.00} with a Past Due Amount of {$340.00} and a Payment Due Date XX/XX/XXXX. The Balance that Portfolio Recovery is currently trying to collect on is {$720.00}. If this statement was not the last statement produced then the XX/XX/XXXX Statement Closing Date would generate the previous balance of {$720.00} plus the Fees charged of {$37.00} and Interest Charged as well resulting in the current balance to not be {$720.00} any longer. If that is true then the amount Portfolio Recovery purchased this debt for in XX/XX/XXXX would have to be more than {$720.00}. and if its not true then that would mean the final past due amount on record was {$340.00}. My privacy has been violated and Portfolio Recovery is NOT abiding by the FDCPA. This debt has not been proven under my name legally therefore I do not validate this debt. Ive given portfolio a chance to provide me with proof other than statements and I have not received any legal documents. I have given Portfolio Recovery notice of the inaccurate inconsistent information being reported directly. I have disputed with the consumer reporting agencies. I have given Portfolio plenty of time to produce such records that they shall have in order to assume this debt valid. Without validation proof I refuse to pay a alleged debt Im not obligated to pay for. Portfolio Recovery is committing fraud by reporting not only inaccurate inconsistent information with the consumer reporting agencies but reporting a alleged debt on my private non public consumer report illegally and damaging my credit worthiness with future financial institutions. I have already been denied for a XXXX Credit Card for the reason being there were errors found on your consumer file XXXX has advised me to reach out to the consumer reporting agencies to fix these errors and I have already tried that.
Company Response:
State: TX
Zip: 75604
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company tries to pass the blame off but under the fdcpa 15 usc 1692 was established to stop shady tactics the fair debt act also states that you are responsible for resolving desputes I have shown you that I never received a notice even bi your own records your state that you mailed a notice to a previous address of mine geniuses.. I have no family except my sons. So if you do not contact me in my location which is in violation of the debt act. Please remove your unlawfully debt my place of address was New York State prison ..and I have seen plenty of guys getting notices even sued while in prison your company is just using unlawful and in ethical tactics. Which your company has document records of doing so..you have a known history of using unlawful tactics. So much you had to create a protection fund for class action settlements please remove your unlawful debt I have neither time or patient for litagation you will not receive any money from me.. please remove this debt.. I provided u a disposition copy from the XXXX XXXX court stating I was in prison at the time of your purchase of this debt.. and yet you still try and pass this responsibility off to the credit reporting agency when its you making the illegal dispute .as I am sure no one took the time to do there jobs and search for me as it public record and the desposition of the court will show that I was in prison arrested on XX/XX/XXXX, XXXX my sensitive credit report is also private and I never allowed or shared any of it with portfolio recovery. That alone is illegal. Please remove this debt. Your choosing to ignore the disposition from the court I provided in report XXXX. And are trying to pass the responsibility off to the reporting agency when you are respomsible to follow the law
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery calls several times a weeks, always from a different randomly generated number, for the past XXXX weeks, to my place of employment. I have received no written communication from them, no emails, no phone calls to my personal number and there is nothing on my credit report, not a single delinquency for anything. I need them to stop harassing me at my place of employment. They clearly have the wrong number.
Company Response:
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: To Whom It May Concern : First, this is a disclaimer to let you know I, XXXX XXXX, wrote this letter and not a credit repair company. I received a copy of my XXXX, XXXX and XXXX credit report, and noticed a collection that needed to be deleted. The item is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the Fair Debt Collection Practices Act or 15 USC 1692g , more specifically 15 USC 1692a - Definitions, debt is defined as follows : ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. This is an ALLEGED debt that I do NOT owe. Pursuant to 15 USC 1692g, I have the right to verify a debt, and this is an ALLEGED debt that I do NOT owe, therefore : this INACCURATE information needs to be DELETED from all consumer reporting agencies. You had no permissible purpose by law to report this alleged debt and have violated XXXX5 USC 1692g - Validation of debt because you failed to satisfy all 5 requirements, which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I am not requesting a statement of generalized accounting, as this would NOT be accurate because it is NOT an authenticated record. I am demanding a request for accounting, pursuant to the Uniform Commercial Code ( UCC ), which is recognized as commercial law. UCC Article 9-210 ( 2 ) is noted below. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. ( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ). ( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request. If your agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority. If you cant send me an actual ORIGINAL contract with my signature on it, you have no right furnishing this inaccurate information and not only have you violated my right to privacy, but youve violated various statutes of BOTH the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) simply by reporting this alleged debt. Im not sure if you know, but violations of these sections make you liable for at LEAST {$1000.00} per violation. Even if you satisfy all 5 requirements, I am the one that has the right to verify whether it is my debt or not and as I have previously stated this is an ALLEGED debt that I do NOT owe. I have sustained defamation of my character as a result of this information and am demanding you to delete the above accounts from my consumer report. Furthermore, I demand that you CEASE and DESIST all efforts to collect on this alleged debt and may only communicate with me further under the stipulations of sending me a letter with this alleged account deleted. As a reminder, your company agreed to abide by the rules set forth by the SEC : Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. You have 14 days to respond upon receipt of this letter to delete the negative items and send me a new letter, notifying me that the information has been deleted from all consumer reporting agencies. CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: During this week alone, I have had XXXX phone calls to my cell phone from XXXX, XXXX, and today XXXX. All are identified as Portfolio Recovery Service licensed to do business in XXXX VA. There is never a message left. I never have gotten any formal written communication from this company. We do not have a mortgage, car loan, student loan or unpaid medical bills. We pay the balance of our credit cards each month. If this was REAL instead of a robo call or scam, there would be written communication. I see in 2015 there was a formal filing against this company. Why are they still in business? Why would any governmental body allow a company like this to get a license to operate in their jurisdiction? What do they expect to get out of a call if I did pick up the phone? Do they target people of a certain age, i.e., XXXX? Yes is the answer to that. I want the calls to stop. That is the resolution I want and my second request is that the federal government put a stop once and for all to these practices. I reiterate. If they had a reason to be calling me, I would have some sort of written communication as to the supposed debt. Lastly, I'd like to say XXXX things. My husband was a XXXX XXXX XXXX XXXX XXXX and he would like to see all the companies that operate in this fashion, prosecuted. Second, by all means, please publish this complaint.
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested a copy of the contract to pay the alleged debt collector and the debt collector failed to verify debt owed to them. Debt collect could not furnish a signed contract for me to pay the alleged debt to their agency.
Company Response:
State: NJ
Zip: 08648
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A