Date Received: 2022-09-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery continues to call and always uses a different phone number. The reps sit on the phone and don't speak. I want the harassing and scarey calls to stop.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is apart of the XXXX XXXX Data Breach. I am a party of the settlement. This information was obtained in the course of the Data Breach by Portfolio Recovery. Portfolio Recovery is reporting and falsely claiming this credit transaction is a debt due. Portfolio Recovery Solutions has provided documentation it may have obtained in the XXXX XXXX Data Breach. As this was a Secured Credit Transaction the amount claimed as owed is inaccurate and false. A deposit was required to obtain a extension of credit which was expressed that it covered any failed payments. In light of XXXX XXXX 's error to inform me, I made a uniformed decision on when I entered this consumer credit transaction. There is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. XXXX XXXX and Portfolio Recovery Solutions are in violation of Title 15 Chapter 41, 15 USC 1602.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This complaint is to formally advise that PORTFOLIO RECOVERY ASSOCIATES , LLC has violated several of my consumer rights. Specifically, PORTFOLIO RECOVERY ASSOCIATES , LLC has failed to validate a debt at my request, which is a violation to the FDCPA 15 USC 1692g - Validation of debts. I requested this information on XX/XX/2022 ( XXXX XXXX # XXXX ) when I sent a validation request to PORTFOLIO RECOVERY ASSOCIATES , LLC. PORTFOLIO RECOVERY ASSOCIATES , LLC responded with a letter stating they are the new owners of the account. Also, according to the FCRA, PORTFOLIO RECOVERY ASSOCIATES , LLC has committed a violation to 15 USC 1681a ( 2 ) Exclusions ( i ) which clearly states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and I've never given this " person '' my authorization to share any transactions or experiences. That is only one violation according to the FCRA that is being committed, there are several. Another is 15 USC 1681 under ( a ) Accuracy and fairness of credit reporting. Not only is this account being reported without my permission, it also has incorrect information. For one, it says it's in collections but has a balance. These violations are damaging my reputation and have prevented me from three very good deals on investment vehicles. Not only has PORTFOLIO RECOVERY ASSOCIATES , LLC committed FDCPA and FCRA violations, but they are just violating all my consumer rights. According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given any of these options to opt out nor were any of my options explained clearly to me. Not only has PORTFOLIO RECOVERY ASSOCIATES , LLC ignored my prior requests for validation of debt but PORTFOLIO RECOVERY ASSOCIATES , LLC continues to report this debt to the credit reporting agencies causing damage to my character and my reputation. Should PORTFOLIO RECOVERY ASSOCIATES , LLC again ignore my rights and continue to bring harm and damage to my character I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I would also like to seek damages from PORTFOLIO RECOVERY ASSOCIATES , LLC for these violations. Kind regards, XXXX XXXX
Company Response:
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX I received a collection attempt from Portfolio Recovery Assiciates ( dated XX/XX/19 ) about a debt I did not recognize. I sent certified mail asking for validation and verification of the debt. I received no communication from this collector until today where i received communication insinuating that i would be sued. I have all records of my certified mail
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX is in VIOLATION of Under 15 U.S Code 168c-2. They are illegally purchased a debt in my name from XXXX XXXX without my permission. Since they are in violation of FEDERAL law this must be removed from all three credit bureaus and insist they stop the harassing calls and communications which is also in violation of FRCA laws.
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery is been calling twice daily for the past 4 years from different phone numbers, I have to blocked them. Tired of them for a Bill that someone stole an XXXX account and used and it was not me. I told them and they put it in my credit
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls. Wants personal information before they can give you details including address Social Security number phone numbers full name. Very skeptical. Hung up the phone without giving them this information.
Company Response:
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery - XXXX Opened XX/XX/2021. {$380.00}
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Being sued by portfolio recovery for a credit card debt over 7 years ago an to refund the payment of XXXX, if not paid will be processed as a credit card fraud or failure to pay,
Company Response:
State: TX
Zip: 77026
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
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: Portfolio Recovery is reporting a debt from XXXX XXXX on my credit report and I have requested verification of the debt that they have failed to provide to me and XXXX XXXX and XXXX fail to delete this from my report. They dont care I sent them a certified letter recently with return receipt just because they have ignored all of the disputes they have ignored. If they ignore this letter I will consulting an attorney for them violating my FCRA rights as a consumer.
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A