Date Received: 2022-09-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Debt collection company continuous report/ increase my debt to credit bureau monthly by a {$1.00} to damage my credit. I believe its predatory collection practices and need to stop.
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: -On XX/XX/XXXX letter was received from Portfolio Recovery Assets denying my dispute. This dispute was due to identity theft back in XXXX. Portfolio Recovery Assets states they have completed their investigation regarding the debt and established it was valid. However, they only sent me statements from the original creditor which shows an incorrect address I have never been associated with as well as around the time my identity was stolen.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have no business with portfolio recovery acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Frequently calls spouse which is not part of account
Company Response:
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is my second complaint against Portfolio Recovery. On XX/XX/2022 I made a complaint against Portfolio Recovery Associates , LLC ( XXXX ) for violation of the FDCPA and accusing them of participating in racketeering activity and defamation of character. See Complaint XXXX On XX/XX/2022 the company responded denying all allegations but failed to provide any evidence or proof of claim. In their response they stated Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. What was the method of verification used? Who was interviewed and what documents were reviewed? The company also stated that it purchased the account from XXXX Bank ( " XXXX '' ) XXXX XXXX. However the company failed to provide any Purchase Agreement, Bill of Assignment, Chain of Custody or any account-level documents. PRA is reporting to XXXX that the account balance is {$570.00}. However in their response they state the account balance is {$610.00}. XXXX also is reporting a High Balance of {$610.00}. How was this amount calculated and why is there a discrepancy in amounts? It is clear that PRAs business records are not accurate and they are reporting negative false information about me to the credit reporting agencies. This defamation of character is affecting my right to obtain credit. Providing the credit reporting agencies with deceptive forms and attempting to extort money from me is racketeering activity. Continuing to engage in these fraudulent business practices will make legal action necessary.
Company Response:
State: PA
Zip: 19128
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: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I received phone calls from Portfolio Recovery Associates regarding XXXX credit accounts they stated I owed money on to them. I told them the amount was incorrect and asked if they would please stop calling me and my family members phone lines. They continued to send letters with the wrong amount and did not investigate the issue while also continuing to harass me and my family members. They took me to court and could not prove what they were demanding from me and the judge changed the amount owed. I was humiliated by this experience and what we went through. It was wrong and illegal and I will continue to pursue this matter in all legal means necessary.
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: This account was opened on XX/XX/2017. In have tried disputing it since as I am not aware of this account, it was not me who opened it. However I was unable to reach a manager amongst attempting numerous times. I have repeatedly received calls over the years. I tried resolving it as this is inaccurate information on my credit report and no resolution was made. I would like for this account/collection to be deleted from my account as it is not mine.
Company Response:
State: TX
Zip: 78046
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Portfolio Recoveries listed a collection account on my credit report. I contacted them and we settled the account and I was told in writing as well as from their website directly that once the account was paid in full it would be deleted within 30 days. The account is paid in full, but 2 days after it was paid the account updated with a balance. It was not deleted, and the balance due was updated to {$200.00}. They need to stand by their word and delete the account not update the account/ balance. I am submitting proof directly from their website showing their policy about deleting it, not updating it. Also showing proof its been paid in full.
Company Response:
State: NY
Zip: 11572
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I called XXXX XXXX and asked them to contact Portfolio Recov Assoc, and tell them that I have resolved the account with XXXX XXXXXXXX. I was told to send all Info to XXXX XXXX and it would take XXXX months not XXXX days to resolve this. I only owe XXXX XXXX XXXX dollars and Portfolio Recov Assoc states I owe the XXXX dollars along with verbage like SERIOUSLY PAST DUE DATE, ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT XXXXXXXX XXXX XXXXXXXX ; XXXX INTERNAL COLLECTION DEPARTMENT. This statement by Portfolio is on my XXXX Credit Report and I have disputed it and it still remains. I have all documentation to back this up and It will be attached.
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company is continuing to make hard and soft inquiries on my credit accounts and stalking me for years. I have never had an account that I signed authorizing a relationship with this company. I do not have any documentation with my signature or my authorization to initiate a relationship with this company, any and all information that Portfolio recovery has about me is a result of identity theft and the accounts they purchased from creditors were not authorized by me and was a result of identity theft and I have reached out to Portfolio company and requested that they no longer contact me or access my active account or my credit bureau accounts ; however, they are continuing to access the credit bureaus on a monthly basis
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A