Date Received: 2022-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Assosciates, LLC This is XXXX XXXX, I'm reporting Portfolio Recovery Assosciates several different laws broken against me in result to collect a debt. XXXX XXXX I sent a debt validation letter to Portfolio Recovery Assosciates them to validate a debt allegedly owed, I asked them to send me the following information to verify the alleged debt belongs to me. I asked them to send me the following information : 1. State the money they said I owed. 2. How did they come to determine that amount. 3. Provide copies of agreements bearing my signature stating that I agreed to pay what they said I owe. 4. Show proof that the statue of limitations have not expired. 5. Provide proof that they are licensed to collect in my state ; provide license number. 6. A valid, legible copy of the agreement stating the debt and interest charges. In result, Portfolio Recovery Assosciates DID NOT provide proof that the statue of limitations did not expire, Portfolio Recovery Assosciates NOT provide proof that they are licensed to collect in my state, Portfolio Recovery Assosciates NOT provide information about how they determined the alleged amount owed. Portfolio Recovery Assosciates broken SEVERAL LAWS AGAINST ME!!!! The following consumer laws have also been broken, 15USC 1692 ( J ), 15 USC 1692 ( B ) ( 2 ), and 15 USC 1692 ( E ) ( 10 ), 15USC 1681 section 604 ( A ) ( 2 ) 15USC 1681 ( C ) ( A ) ( 5 ) 15USC 1681 ( A ) ( 1 ).
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX, And portfolio resolution haven't provided me the documents that i asked them to provide to me, I've read that there is a total of 15 days for them to provide me the information, And it's been more than 15 days.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1600.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.
Company Response:
State: FL
Zip: 33907
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$2900.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.
Company Response:
State: FL
Zip: 33907
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022, I contacted Portfolio Recovery requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$2800.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022, I contacted Portfolio Recovery requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$310.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This complaint is regarding alleged reference number XXXX. Since XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and Californias Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the none sense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending ONE statement without bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a XXXX debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. They have violated FDCPA, Californias FDBPA and FCRA. PRA have reported a negative trade line to my credit files without sending a notice to me that I could exercise my legal rights as a consumer. PRA have failed to provide documents based upon FDBPA of California. PRA have reported that this account was opened on XX/XX/XXXX, this is fraudulent claim. PRA is Reaging this alleged claim in clear violation of the law. PRA have received my demands via USPS ( Address Service Requested ) and fax numerous times. PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member XXXX XXXX XXXX. PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.
Company Response:
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: When I noticed this account showing up on my credit report I sent a letter to PORTFOLIO RECOVERY attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages. This company is harassing me by calling to my personal cellphone before XXXX XXXX and after XXXX. I also have called XXXX XXXX to dispute the account that they have sold to Portfolio Recovery and XXXX XXXX has not taken appropriate and fair steps to resolve or investigate my request, so this complaint is also to take effect against XXXX XXXX " The Original Creditor for this unauthorized account ''
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Hello, You have filled two lawsuits against me for 2 separate accounts. I have no knowledge of either of these accounts. I would have taken care of them if they were mine. I have been trying to dispute these off my credit report. I would like copies of the contracts with my signature showing I agree to pay these amounts by the original creditors you have reported for. I know I havent signed another with you or the original creditor. The contracts will show if it is my signature or not. I would like to get this matter taken care of. Thank you
Company Response:
State: AZ
Zip: 85051
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Hello, You are trying to sue me over an account that isnt mine. I have called your lawyers to discuss the matter. They informed me they did not have a copy of the original agreement that was signed. I would like to see that since the paperwork said said the original creditor was XXXX XXXX XXXX but the charges were done with XXXX XXXX. Im unsure which one it is with the papers that were given to me. I know I did not sign a payment agreement with you or XXXX XXXX XXXX. I would like to get this matter taken care of. Thank you
Company Response:
State: AZ
Zip: 85051
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A