Date Received: 2022-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter 4 years ago this had been resolved. I spoke to the company XXXX XXXX who stated they notified XXXXXXXX XXXX I paid them in full so fiancing was not needed. I spoke at XXXX who gave me the reference number sent XX/XX/21 reference # XXXX XXXXo XXXX stating there was no debt due and to close it. I called them and was told by management my records were deleted due to charge off. I had them removed from my credit over 3 years ago after I proved to XXXX there was no debt. Now 4 years later they are still harassing me and are now suing me for a debt that does not exist. I still have all receipts made to XXXX and XXXX has emailed them to me as well
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates , LLC is attempting to collect an alleged debt owed. I never extended my credit and entered into a credit transaction with them. There is no contract in existence baring a signature of me extending my credit to Portfolio Recovery Associates , LLC. They have falsely represented themselves and furnished deceptive forms to deceive and coerce me into paying an alleged debt owed. Portfolio Recovery Associates , LLC also has caused damage to my reputation and violated my right to extend credit by furnishing false and deceptive information on my consumer report
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have reached out several times to inform this debt is not mine. The company XXXX XXXX even admits this was a fraudulent account.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: constant an frequent harrasing phone call early mornings later evenings every day with differnt changing number an constantly leaving voice mail messeages with no messeage
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I've been a victim of identity theft. Someone used my identity to open fraudulent credit card accounts. I need help removing " Portfolio Recovery '' off my credit report. I have no knowledge of this account
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account # XXXX On XX/XX/2022, I sent a Debt Validation Letter ( see attached ) to Portfolio Recovery Associates LLC in response to a statement I received from them concerning a debt they were attempting to collect. Portfolio Recovery Associates LLC has not sent any documents I have requested in order to validate the alleged debt. I have only received statements from Portfolio Recovery Associates LLC, which consists of addresses I have never lived at and accounts that do not belong to me. I received these statements by mail on XX/XX/2022. I requested evidence to validate the alleged debt, specifically documents that bear my signature and other documents listed in my debt validation letter.I have not received sufficient evidence or any of the documents I have requested from Portfolio Recovery Associates LLC regarding validation of the alleged debt. I have never had a relationship or contractual agreement with Portfolio Recovery Associates LLC and I am not responsible for the account they are referring to. The account does NOT belong to me. Portfolio Recovery Associates shall NOT report information to any consumer reporting agency using my personal information. Any previously reported information relating to me must be deleted from my credit report effective immediately.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: They call me ever day 3 to 4 times, i have asked to have any legal documents showing I signed and had a contract with this company for the amount they are asking for and for them to provide it to me and to provide it in writing but they have not do so.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/2022 I sent a certified, return receipt requested cease and desist letter to Portfolio Recovery regarding this debt which falls into the Statue of Limitations of owing this debt. I received the notification that the letter had been received on XX/XX/2022. The debt is over seven years old. I receive a phone call every day from this company.
Company Response:
State: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A