Date Received: 2022-09-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery hounded me to no end. They would call frequently over five times a day. They would call with fake names on the caller ID. They were so unprofessional that I avoided them for a long time thinking it was a scam, before I realized they were a real company. But they made me miss time at work, they made me begin to fear answering my phone because I thought it would be them again. They were literally driving me insane. I still get calls from them from time to time and they have called before XXXX XXXX. and after XXXX XXXX on multiple occasions. I don't have the logs with me now but would be willing to provide them if need be, the problem is they called under fake name so many times that I don't know which ones to include. But there is an endless log of calls from portfolio recovery to my phone. This is my work phone so I have to answer the calls or lose money, which I'm sure I have lost a job or two to them at least. I also asked to be placed on their do not call list and they laughed at me and said they don't have a do not call list. They continued to call hundreds of times after that.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After discovering 2 debts with Porfolio Recovery Associates XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. Porfolio Recovery Associates refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: For over a year, Portfolio Recovery Associates has been calling me every single day. Early in the morning and sometimes during the weekend. It seems like we are already entering 2 years of them calling me. No matter how many times I blocked the number, they call through a different one each time. They even call in the evenings too. My debt already fell off of my credit.
Company Response:
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On the 3 CRA, Portfolio Recovery Associates is reporting incorrect information regarding a debt. According to their reporting, an account with. XXXX XXXX was opened XXXX. Considering I was experiencing homelessness without the ability to receive mail, it would be impossible for me to open a new credit card account. Also, they report that no payments have been made to this account yet under the recent payments tab it states {$54.00} was paid on the account. This incorrect information is negatively my credit score.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Monitoring the information on the 3 credit reporting agencies, the information provided by PRA is incorrect. Date opened : XX/XX/2018 I was homeless at this time. I was unable to receive mail. Yet according to PRA reporting, I opened a XXXX XXXX credit card? Payment history : PRA reports as though no payments were made on this account. However, under the recent payments tab it states {$47.00}. The information being reported is not factual and not a true representation of this account.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a bill from debt collectors Portfolio Recovery Associates , LLC , Inc. in the mail advising that I have options for an alleged account. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Portfolio Recovery or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Portfolio Recovery Associates , LLC. I have yet to witness a " wet ink '' signature between myself and Portfolio Recovery Associates , LLC. nor have I ever received a True Bill in commerce in regards to this account. Portfolio Recovery has attempted to upon levy and/or trespass upon Me, the living woman, without due cause. There is NO valid contract.
Company Response:
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've identified information on all my reports that are a result of identity theft. These items are not related to any transactions completed by me. See attached.
Company Response:
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Under the fair reporting act I have the right to be informed 30 days prior to any negative report against me I clearly showed u that I was in New York XXXX XXXX 6 months prior from your letter of your purchase of debt I have requested numerous of times that your show me proof of purchase or payments made bi me which I am allowed bi New York State fair credit act of 2021 including payment history and none has been provided other then a sheet of paper with an amount .. and a letter state your purchase of debt..
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Portfolio recovery bout my charged off paid of debt from XXXX XXXX. XXXX continues to harress me about this chsrge off. It should be remove from my credit report because it is illegal to continie to harass me
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my accounts
Company Response:
State: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A