Date Received: 2022-12-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I asked for a debt validation letter from the company portfolio, recovery sometime early in XXXX but never received, that and the lady I spoke with assured me that the letter will be going out and I never received any letter but I kept receiving the harassing calls, and long and behold. I viewed my credit report and they reported it to my credit XX/XX/XXXX which they never sent me the validation of debt letter
Company Response:
State: TX
Zip: 768XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/21 the amount of {$5600.00} was disputed for the second time, while asking for full verification the company has failed to comply by not providing a signed contract with a complete statement of accounting as required by law. XX/XX/21 the amount of {$3300.00} was disputed for the second time, while asking for full verification the company has failed to comply by not providing a signed contract with a complete statement of accounting as required by law.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XXXX and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXXXXXX XXXX as well.
Company Response:
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I submitted a complaint on this company a few days ago and sent them a certified letter in the mail detailing my dispute. They responded back to my dispute stating that they already sent over information and would not be sending anything to validate this at this time. I never received anything. I requested documentation as outlined in my previous complaint but it was never sent. They have not provided a Certified mail return receipt where they would have mailed these documents. I never received this contract. According to the law? They have to provide me with this information which they have not provided and are refusing to provide as stated in their previous response. I ask that this be removed from my credit report immediately. I am already seeking legal counsel.
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: My name is NOT XXXX XXXX and was not XXXX XXXX XXXX when this alleged account was opened. This will be my third complaint against Portfolio Recovery. I contacted portfolio recovery on XX/XX/XXXX disputing the alleged debt. XX/XX/XXXX I was sent a letter stating portfolio recovery refuses to investigate and dispute the debt and demanding portfolio recovery cease and decist all communication with me. Today on XX/XX/XXXX, I recieved another letter from portfolio recovery, again stating they are closing the dispute investigation because I have not sent in information requested by portfolio recovery. I was never asked to send any information. This letter was mailed on XXXX XXXX. I also stated in my previous dispute, that I wished for portfolio recovery cease and decist all communications. Attached is the dispute and cease and decist request on XX/XX/XXXX, the XXXX letter sent on XX/XX/XXXX and the XXXX letter sent on XXXX XXXX. Portfolio recovery is very inconsistent with the letters regarding a debt dispute, signifying they are not taking my request seriously and sending these irrelevant letters to further harass me. I demanded portfolio stop all communications, however I keep recieving irrelevant letters regarding a dispute portfolio recovery refused to investigate. Portfolio recoveries inconsistancy as well as lack of record keeping further backs my origional dispute. Portfolio recovery continues to violate FCDPA regulations stated in CFPB. I refuse to allow portfolio recovery violate my rights.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This debt was aquired in 2014 I shouldnt still be getting harassing phone calls. I live in the state of nevada. Statue of limitations is 6 years for written contract.
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with non-monetary relief
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: Portfolio recovery and associates has been illegally reporting multiple inaccurate misleading incomplete unverifiable accounts on my XXXX XXXX XXXX After sending portfolio recovery and associates a cease and desist letter because the company could not fully and completely verify an account under the name XXXX XXXX original creditor. I have no knowledge of this account. And portfolio recovery and associates has not able to send me any documentations with my original signature our statements proven that this account actually belongs to me. A violation of federal law
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company bought a fraudulent account and is trying to hold me responsible for this account that isn't mine. This company still hasn't provided me any legal contracts that holds my signature or anything else and now that I know they bought this fraudulent contracts I need them to show me where they have legal grounds to come after me for such said account a d tge know its no mines this has already been removed from 2 of my 3 credit report this company need to remove this from my XXXX report or I will take legal action
Company Response:
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On or around XX/XX/XXXX of 2022 I've noticed an account being reported on my credit report as a collection item Under the name : portfolio recovery and associates This account has been reported illegally to the three major credit reporting agencies including XXXX XXXX and XXXX. Portfolio recovery and associates debt collection agency original creditor XXXX Bank has violated federal law by reporting this account without five business days notice as required by federal law.
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a letter in the mail that I have to go to court again on XX/XX/2022. I already went to court and their attorney offered a settlement of {$620.00}. I agree to make monthly payments of {$50.00} and started in XXXX. I told the attorney my first 2 payments would be at the end of the month and then I would send earlier he said it was fine as long as I started my payments and would not have to go back to court as long as payments were made. I called and the representative said that they did receive my 3 payments and could not tell me why I had another court date.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A