Date Received: 2023-01-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX. PA XXXX Account Disputing : XXXX From Portfolio Recovery Associates , LLC THIS COMPANY DOES NOT HAVE LICENSE TO COLLET any debt in the state of Pennsylvania.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I reviewed my XXXX credit reoport on XXXX XXXX, XXXX. Their was " Charged-off " account from XXXX XXXX in the amount of {$1700.00}. I wrote to XXXX to provide me with information regarding the balance and supporting documentation. I sent them a letter via certified mail on XX/XX/XXXX. I never received any communication from them. In XX/XX/XXXX I reviewed all three ( 3 ) credit reporting agencies and the " Charged-Off '' account had been removed from all three ( 3 ) bureaus. I reviewed my credit file again in XX/XX/XXXX and noticed a collection place on all three ( 3 ) credit reporting agencies from a " Portfolio Recovery Associates , LLC '' with an open account date of XX/XX/XXXX. I do not know who this is and why they would place a " Collection '' account on my credit file. I had already contacted the original creditor and settled this matter with them directly! I also noted that they had violated the new FDCPA law implemented on XX/XX/XXXX, dealing with Regulation F. They are suppose the make contact with a consumer before they are allowed to place a collection on a person 's credit file. They did not, nor have they spoken with me regarding this matter. The original creditor had removed this debt off of my credit reports back in XX/XX/XXXX. Why is this Portfolio Recovery not abiding by the Consumer laws that are implemented?
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: For about the past two years, i have received hundreds, literally hundreds of phone calls from Portfolio Recovery, along with a couple of aliases, and non-identifiable numbers that appear as foreign numbers ( additional digits/ missing digits ), very rarely will I receive the same number twice. however my caller I.D . however will show : XXXX ; Portfolio ; etc. I have saved most of the numbers, once I knew there was a limit of sorts, here are some examples : date : orig no. XXXX addt. dates XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX [ XX/XX/XXXX ] XX/XX/XXXX XXXX XX/XX/XXXX XXXX [ XX/XX/XXXX ; XX/XX/XXXX ] XX/XX/XXXX XXXX [ XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ] XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX [ XX/XX/XXXX ] ... I will be providing a detailed list from my cellular provider, once it's compiled.
Company Response:
State: IN
Zip: 46901
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: About four years ago, while I was in college in XX/XX/2019 I opened a credit card with XXXX XXXX to purchase some clothes. At the time I had little if any working knowledge of how credit cards and payments worked, and ultimately forgot to pay off the clothes in appropriate time. A few months down the road in XXXX of that year I picked up a call from a representative at XXXX XXXX who explained the situation, and with the representative on the phone I paid off the amount owed, totaling XXXX USD. I walked through the amount and the process with this representative on the phone to ensure that I was doing everything right and paying the correct amount. For the past three years since paying it off, I've been relentlessly contacted by a debt collecting agency called Portfolio Recovery Associates about this money that was owed and paid to the original creditor, XXXX XXXX. I've repeatedly disputed the debt and provided proof, as well as sent emails showing that I paid the original creditor to no avail and have not received a response to my disputes of the debt. After almost XXXX years of harassment and a delinquent note on my credit score that is affecting my career and personal goals, I'm hoping to find a solution so I can get this delinquency and debt that I don't owe removed from my credit report for good and to stop receiving calls from Portfolio Recovery Associates on an almost daily basis. I'm interpreting this situation to have been a miscommunication between XXXX XXXX and XXXX, I believe that they sold this " debt '' to the agency mistakenly when I had in fact paid off the amount owed. I'm tired of dealing with this and am growing concerned about the financial and credit report long-term repercussions of this derogatory remark which is potentially affecting my ability to get jobs, have credit cards, etc. I also don't believe I received communication before the debt was sold to XXXX as required by law, which would make sense given that if I had I would have reached out to let XXXX XXXX know that the payment was made and would have sorted this entire ordeal then. I have taken numerous actions via phone call and email to dispute the debt and have not received any replies to my dispute, instead repeated attempts to continue collecting this debt that I don't owe. I'm now at the point of considering legal action if XXXX XXXX and/or Portfolio Recovery Associates do not correct this issue as soon as possible.
Company Response:
State: CT
Zip: 06854
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
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: This is an update to an unresolved issue!!! I just received my reinvestigation back from XXXX XXXX They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. Account # PORTFOLIO XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g ( b ) whereas they did not provide me with validation of debt. Only an online " contract '' in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b ( 2 ) because I did not provide them in writing to furnish this info onto my credit report. Nothing of what they sent is accurate. The addresses on file are also inaccurate which is still a violation of 15 USC 1681 ( a ) ( 4 ) because they did not exercise their responsibilities with fairness. They are also in violation of 15 USC 1681 ( b ) because their investigation was not completed with accuracy nor relevancy nor proper utilization of such information.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My rights have been violated in relation to an account on my credit report. PORTFOLIO RECOV ASSOC XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Company Response:
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I was getting phone calls every single day from sun up to sun down. Now Im getting calls every other day. I have asked them to stop calling me due to being deaf and told them I couldnt hear on the phone. And when I do they hang up on me. I have blocked many numbers ( probably well over XXXX different numbers ) and continue to get calls. I have threatened that if they had called me again that I would sue for harassment. And they constantly call me still. Its emotionally draining, distressing and abusive how theyre tactics work.
Company Response:
State: MI
Zip: 48091
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX XXXX XXXX XXXX XXXX Portfolio Recovery, XXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. Account Balance {$2000.00} Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A