Date Received: 2022-12-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery calls me every day least three times a day from different numbers I do owe them about {$2000.00}! I am currently not able to pay it because Im not allowed to work due to health reasons and I have told them this but they still call and I send the paperwork that they asked me out for back and they sent me the same paperwork again and still call
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I began questioning this organization in XXXXXXXX XXXX XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: While the situation has been ongoing beyond just the past year, from XXXX of XXXX until now, this company has called me even after I have requested them to stop, and it is most often during my work hours. I miss a majority of their calls ; however, in the event that I answer one of the calls, 9 out of 10 times the person on the other line disconnects the call without saying anything at all, and it almost always is done at exactly 4 seconds. If I do not answer, they never leave a voicemail either. Additionally, this company has called me nearly 100 times in the past year. On top of that, I have received these nearly 100 different calls from 72 different phone numbers, many having different area codes. In the most recent month of XXXX, I received 7 calls from XX/XX/XXXX through XX/XX/XXXX. In XXXX alone, they called me a total of 22 times, sometimes more than once per day. It really seems like harassment is an ongoing issue here, as they have not stopped calling when requested. And it is feels like harassment because of the excessive calls and various numbers calling. I have the past years ' worth of calls logged in my phone, and I have every single one of those 72 phone numbers saved into my phone. And it is very annoying that I have written them letters ( sent via USPS ) and have never received any responses. The worst of it all is the fact that this company has not only harassed me but has been a detriment on my credit reports. The photos of the call log and the saved phone numbers are attached.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am receiving repeated phone calls about this debt. They are spoofing numbers and calling repeatedly.I have no idea what this is or why they are collecting. Never received any notification about this and now it's on my credit report.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Portoflio Recovery Associates mailed me a letter that I received on XX/XX/XXXX in response to my dispute. This is the first time that I have ever received any kind of correspondence from them. I their letter they stated that they verified the information reported is accurate and they provided only a statement for the months of XXXX and XXXX XXXX XXXX, which according to the letter they included is over a year before they " allegedly '' purchased the debt and an " alleged '' letter from the " alleged '' creditor stating they acquired this account. In my initial dispute I made them aware that I never received correspondence from them initially and they never sent a letter regarding the debt. If you all did send a letter, then please provide the Certified Mail Return Receipt. In my original dispute, from a week ago, I requested a copy of the contract with my I requested the following information : To Whom It May Concern : Be advised that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. XXXX XXXX XXXX Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOCIATES in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. The alleged account that they are claiming I owe from the " alleged '' original creditor, is not listed on my credit reports. They did not provide an original contract between myself and the " Alleged '' original creditor that bears my signature. I also requested a bill of sale and the amount they " allegedly '' paid for this debt. I have not received the requested documents in their entirety in order to VALIDATE the debt. The documents that were received by me on XX/XX/XXXX are not sufficient to VALIDATE the debt. As stated before, the " alleged '' original creditor does not show on my credit reports. This account needs to be removed immediately as the company 's response does not VALIDATE the account. It is innacurate
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX PORTOLIO RECOVERY, XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Theres an account on my credit file that I have no knowledge of thats causing my credit worthiness to have Negative history
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the Fair Credit Reporting Act my rights has been violated. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 a section 2 : it also States A consumer report furnish an account without my written instructions. 15 USC 1666B : A predator may not treat a payment on a credit card account under an open end Consumer Credit plan as late for purpose
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
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: After Reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the account listed under Portfolio Recovery Associates and validation was requested as this was an account that i did not recognize. I reviewed my credit report the following month 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 that this account as correctly belonging to me, nor has my credit credit report has been updated that the account is disputed. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor have authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving the account belongs to me and the information belongs to me.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A