Date Received: 2022-10-18
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I am submitting this complaint because Portfolio Recovery Associates furnished a deceptive form to create a false belief that a creditor was attempting to collect a debt but in all reality this was not true. Portfolio Recovery sent me a stack of statements claiming that I owed them a debt but when I reached out to the Creditor they said the debt was charged off and they were no longer trying to collect. Portfolio Recovery shared statements and a consumer Contract as evidence of debt but as per judgement in the case of XXXX XXXX XXXX XXXXXXXX a copy of a consumer contract is not sufficient evidence of debt. Portfolio Recovery is also treating me unfairly because they never disclosed the correct mailing address to get in contact with them. They have different addresses listed and they do not clearly disclose how to dispute or verify items with them. I am also sending in a complaint to put the CFPB on notice that Portfolio recovery is trying to collect a debt in the state of Tennessee which they are not licensed to do business in. XXXX XXXX XXXX confirmed that Portfolio Recovery is not licensed in the state of Tennessee which is a violation of 15 USC 1692-Abusive Practices
Company Response:
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing an additional complaint because in my previous complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX response and I never had any dealings with them because as explained, I was told that they were XXXX but the financial side, never told another company. I got login information directly from XXXX to access these accounts. I didn't learn that these were individual companies until I had problems trying to set up dates for vacation and the rep was going over the account and disclosed them. The representative who was a part of the presentation explained that the XXXX XXXX was the financial part of XXXX, which was NOT true. They opened a line of credit with this company which is NOT XXXX and also a credit card which they told us was a XXXX XXXX XXXX which was also NOT true, it was also it's own company! FCRA Affiliate Sharing Rule. clearly states 624. Affiliate sharing [ 15 U.S.C. 1681s-3 ] ( a ) Special Rule for Solicitation for Purposes of Marketing ( 1 ) Notice. Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 603 ( d ) ( 2 ) ( A ), may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless ( A ) it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons for purposes of making such solicitations to the consumer ; and ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person. I was NEVER given the opportunity to deny or decline these accounts which were apparently XXXX affiliates that they solicited to open these accounts. Everything had XXXX 's name on it that's why we didn't know any different. With the exception of XXXX XXXX, which again we were told was XXXX but the financial part of them. XXXX set up the accounts and gave us login information we never had to go to either company to do anything. This is why we had no idea all these accounts had been established. The reason it shows that I was making payments is because I wasn't eligible to set up reservations until early XXXX for vacation. Certain areas allowed us to set up reservations no more than XXXX in advance. This is why we had to wait until the new year because the vacation would've taken place at the end of the year. However, after learning the information of the multiple accounts not being disclosed and the way the reservations really worked, along with the problems trying to do the reservations, I ceased everything with XXXX because they were deceitful in their dealings. I dealt directly with the agent at XXXX with my concerns because all of my dealings were always with XXXX. I ask that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the initial companies that provided information to the collections, provide the signed agreement that I entered with them to open these accounts. If they are not able to provide this information, I want every company connected to these accounts ( including the collection companies ) removed and permanently deleted from my credit and any other reporting or attempt to collect ceased. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( they did a cease and desist but states debt valid but never proved it ) Portfolio ( Collection ) XXXX XXXX Due to my previous complaint XXXX XXXX has removed their information from my credit report. However, they are still trying to pursue payment. I have attached the Rewards Card to show that EVERYTHING said XXXX.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery services has been attempting to collect 3 accounts which were previously disputed and removed from XXXX XXXX and original creditors. These accounts were opened fraudulently. I have requested original application showing my signatures. They have failed to provide documentation. They only provide an old statement which does not validate debt. They have also changed date from original creditors last payment date as these trade lines have gone past reporting statue.
Company Response:
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Default and Opportunity to Cure Re : Portfolio Recovery Associates , LLC ( XXXX ) Case : XXXX To whom it may concern ; This is in reference to Portfolio Recovery Associates , LLC ( XXXX ) response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. I respectfully requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. The Federal Law is quite clear about requirements imposed on Debt Collectors. 15 USC 1692a ( 2 ) - states= The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, which will include the three major credit reporting agencies. Being that I dont have a contract with your company regarding the Consumer Credit Transaction you should have never been allowed to have and share my Nonpublic Personal Information. Which is an infringement of my Federally protected Consumer Rights. I requested your company Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my Nonpublic Personal Information and your response was We ceased all communications regarding the XXXX account unless otherwise permitted or required by applicable law. There isnt any law that will Permit or XXXX Portfolio Recovery Associates , LLC ( XXXX ) to continue to share a Consumer Nonpublic Personal Information after the Consumer has requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist, which is a violation of my right. 15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 USC 1611 ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, Your company Portfolio Recovery Associates , LLC ( PRA ) failed to honor my Cease and Desist request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I am attaching valid proof that Portfolio Recovery Associates , LLC ( XXXX ) violated my consumer rights. I hereby grant Portfolio Recovery Associates , LLC ( XXXX ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer I will not hesitate to escalate this matter to a Federal Complaint if Portfolio Recovery Associates , LLC ( XXXX ) decides to ignore my request. Yours Truly, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Non-validation of debt for two accounts that have not been properly validated by this company. Account numbers ending in XXXX with a balance of {$2600.00} and XXXX with a balance of {$840.00}. I have been communicating with this company with the credit bureaus and through mail. I still have not been supplied with the original contracts with my signatures to validate these debts. I have filed a complaint with the XXXX ( XXXX XXXX XXXX ) and now here. Also multiple laws in accordance with the FCRA have been broken because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been broken, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after multiple litigation cases against them for violating these federal acts. At this point, I am convinced this company can not produce the original signed documents by me to validate these debts. Next, I will be filing a complaint with the Attorney General and preparing to retain legal representation against PRA to remove these collections from my XXXX credit report and to receive {$1000.00} per violation and possibly more for the damages. I will not take any further action IF these accounts are removed from my XXXX credit report. Also I'm including a theft report on this complaint because I am 100 % sure these accounts are fraudulent and not mine to begin with, once again remove these accounts from my credit report immediately.
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: These were fraudulent charges that had been disputed and closed in XXXX by them and the credit bureaus for not providing proof. Portfolio recovery bought this from XXXX XXXX. It was removed from my credit years ago and without a 5 day reinsertion letter on XX/XX/XXXX they reinserted it. The amount has increased. The dates have changed also. They have the last payment date and the open and close date the same as the reporting date of XX/XX/XXXX for all 4. They call 5-7 times a day from XXXX XXXX- XXXX XXXX, they call from all different numbers after I tell them to stop calling on the first call. They threaten me that I'm conducting criminal activity and they are going to sue me and garnish my wages and assets. I have requested proof with them and they never send it.
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Portfolio Recovery, ( Debt Collection Agency ), has been constantly harassing me with numerous calls at various hours of the day/night while not only when Im at home, but even at work where I told them not to call during my work hours! My credit account with Portfolio Recovery, ( Debt Collection Agency ), was disputed with all 3 credit bureaus. After XXXX investigation into the account they deleted their debt collection from my credit account ; however XXXX XXXX XXXX both claim I had disagreed a Correct debt with Portfolio Recovery and refuse to take the collection off my report even when it was proven to be deleted by XXXX investigators/investigation claim/dispute! Through just the week of XXXX Portfolio Recovery has contacted me a number of +9-10 times throughout the week under their number of ( XXXX ) XXXX from XXXX XXXX, SD as well as calling during my work hours when I specifically told their company not to do so. This is in clear violation of the harassment code of the Fair Credit Reporting Act and I would like their collection removed from my account like XXXX team has wonderfully done and want the harassment by their company to end!
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: portfolio recovery REFUSES to give me a signed contract by me, they also refuse to tell me The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX XXXX portofolio recovery illegally re-aged this outdated debt damaging my credit and refuse to remove it and they keep calling me on the phone. WHAT IS FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX XXXX????? I NEVER SIGNED A CONTRACT WITH portfolio recovery. HOW OLD IS THIS DEBT???
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: on XXXX XXXX XXXX i have reach out to Portfolio Recovery Associate in reference of a account that was open fraudulently due to someone stealing my identity as well as XXXX XXXX there's also two account on my credit report that was also open fraudulently due to theft identity i reach out to XXXX XXXX XXXX several time along with XXXX XXXX XXXX XXXX due to an account that has been close for several years this account belong to my ex wife also there's two account with XXXX XXXX XXXX that doesnt belong to me due to identity theft.
Company Response:
State: PA
Zip: 17408
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Recovery portfolio associates llc, is not licensed to practice in NY as per NMLS resource database. I had XXXX balances that were outstanding for over 5 years and I paid it. Id like to dispute this case with the company if its possible
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A