Date Received: 2022-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had tried to get XXXX and XXXX to remove the account from Portfolio Recovery from my credit file. The reports says that the account is from XXXX bank. It was FRAUD and has been reported as such
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Good Afternoon, I have disputed the accounts below several times asking for verifiable proof ( an original Consumer Contract with my Signature on it ) they have on file the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with a copy of the verifiable proof, they must remove the accounts listed below. The accounts below have failed to provide proof and will not remove from my credit report. Please assist. Thanks Name of Account Account Number Provide XXXX XXXX Portfolio Recovery Associates {$490.00} XXXX Unverified Account Portfolio Recovery Associates {$750.00} XXXX Unverified Account
Company Response:
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Portfolio recovery associates LLC has been trying to contact me through mail and phone calls stated that they are an collection agency collecting a debt from XXXX XXXX in the amount of XXXX. I stated to the consumer service agent that I had reported this to consumer service fraud team regarding that amount. I stated that I had expressed to the fraud team in XXXX XXXXXXXX that those charges are fraud and they havent used my credit card in over 6 months and I was told when signing up with XXXX XXXXXXXX credit card on XX/XX/XXXX that once the account goes without any activity in over several months that the account will get closed for inactivity. I was under the impression that my account with XXXX XXXX credit card was closed until I received a letter in the mail stated I owe XXXX. The account went delinquent on XX/XX/XXXX and the account was charged off on XX/XX/XXXX XXXX tried to fix the problem with XXXX XXXX for a very long time and the fraud team was no help and they put me in collections. On XX/XX/XXXX portfolio recovery associates LLC brought the debt from XXXX XXXX.I placed over several disputes with portfolio recovery, XXXX, XXXX, XXXX regarding the fraud on my XXXX XXXXXXXX account, these disputes took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. None of these disputes were in my favor. I been harassed by portfolio recovery with calls and letters stating i owe money and they also stated over the phone if I dont pay them they will take me to court and garnish all my money and assets.
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX XXXX, I made a complaint towards Portfolio Recovery Associates LLC on the issue false statement or representation. On XXXX My debt total was {$3200.00}. I spoke with a representative who stated they can bring the payment down to {$2400.00}. I replied I could not pay that amount but, I could pay {$1800.00} right now to close out the account. Portfolio Recovery came to a decision and agreed on the {$1800.00}. I provided my debit card information and the representative began reading the disclaimer ; however he stopped and put me on hold for about 25 minutes. After the {$1800.00} was taken out of my account, he stated that the Assistant Vice President declined my offer. At this point I was provided false information. I called Portfolio Recovery back and another representative told me I had a balance of {$2800.00}. I was given different amounts from Portfolio Recovery. On XX/XX/, arrangements were made to settle my account for {$2400.00} making the following payments : Payment of {$900.00} due by XXXX, Payment of XXXX due by XXXX and Payment of XXXX due by XXXX My debit card information was provided again to make automatic payments. I received a signed Request for Satisfaction/Certificate of Service letter from Portfolio Recovery Associates LLC that requested the courts to mark the case as paid and satisfied, and dismiss any and all post judgments actions, etc. This letter let me know that my debt for Portfolio Recovery Associates LLC. is Satisfied. However, I get a notification about my credit that my debt with Portfolio Recovery increased to {$5000.00}. Portfolio Recovery took that {$1800.00} from XX/XX/ and applied it to {$3200.00}. I did not receive a written notification pertaining to change. Portfolio Recovery is still attempting to collect debt I no longer owe by calling me repeatedly. An agreement was made and arrangements were made to settle the account for {$2400.00} by making 3 payments that were taken out of my account automatically after providing my debit card information. I have attached supporting documents.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i had have just finished a dispute in whice i provided a diposition of the court and onceagain your company ignorewd the law and continues to be un ethical. your company and i have never been in business and you have yet to provide me something where allowed my private credit information to be shared the deposition of hthe court i just provided showed my incarsaration on XX/XX/2016 yet you violate my right, it clearly states that if i am not notified bi mail or phone and conatct most be made if not credit remark must be removed yet you ignored the court document and the public information. this is searchable so now thios will also be my notice of intecnt and i beleiev a whole year of pain and suffering is in order.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed with this company about a debt they claim I owe. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. All they have sent me is a copy of a bill, Per the FTC, a copy of a bill or itemized document does not constitute verification. Despite my numerous letters they continue to mark it as meets FCRA requirements, without showing that I have a legally binding contract to pay them what they claim I owe.
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have not validated the debt by producing a payment history and original contract of my signature. Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: CFPB COMPLAINT # XXXX WAS NOT COMPLETED WITHIN THE 30 DAYS AS REQUIRED BY LAW.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
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: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Since XX/XX/2022, several dispute letters were sent to the agency for debt validation. The debt was sold to a collection agency. The agency failed to provide written notice of the debt. In XX/XX/2022, I sent in a dispute letter requesting validation, proof of license to collect in XXXX XX/XX/2022 I received notification that a judgment was issued against me for {$630.00}. I was never formally served with notice of a pending suit.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A