Date Received: 2022-09-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio recovery associates , LLC has been calling and harassing me nearly everyday, and multiple times per day most days to recover a debt that I have disputed due to no knowledge of account. I have asked them to please stop calling me, and when they refused, I told them I would block their number as I have no business with them. They continued to call, always from another number. At this point I have had to block at least 10-15 different numbers in my phone. I just recently received a letter from them in the mail as well, stating how much they are asking from me with options to pay. The letter has all options of where to send payments, address, phone number ect. At the end of the notice there is no list of any of my rights as a consumer, no explanation of how to dispute, other than directly with their company. Also states that they have no California license.
Company Response:
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit act PORTFOLIO RECOVERY # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, I monitor my credit on a daily basis. I currently have 4 derogatory marks on my credit report, 3 of which are through a debt collection company, otherwise known as, Portfolio Recovery Services. Portfolio Recovery has continued to show that I currently owe " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' all 3 of these different debt collection amounts ( I'll include dates for each amount, each amount is it's OWN collection account as well ). First : {$1000.00} Origination Date : XXXX. Second : {$730.00} Origination Date : XXXX. Third : {$500.00} Origination Date : XXXX. All three of these debts show that XXXX XXXX was the original lender. I've disputed all three through XXXX XXXX on both my XXXX and XXXX reports but to no avail. Now, the problem is, I've only ever been approved for 2 XXXX XXXX credit cards, both were XXXX XXXX XXXX cards and both had a limit of {$300.00} with the exception that one of them had XXXX cashback option and the other had a {$150.00} Cashback option. If I remember correctly, I was accepted for my first XXXX XXXX card in XXXX or XXXX and I honestly can not recall if I ever even made one single payment on it ; it is a possibility that I did not. Strangely enough, in XXXX, I applied for yet another XXXX XXXX XXXX card and was approved for a {$300.00} limit with {$150.00} Cashback. XXXX was a year of extreme financial hardship for myself and my family, so I don't think I ever made a payment on it either. I am aware that credit cards have fees included and especially high fees on Cashback, but there is absolutely no way humanly possible that two {$300.00} limit credit cards, that I defaulted on, could ever equal the total of the three accounts that Portfolio Recovery Services is showing that I owe them. - Thank you for your service and for your time. I appreciate your assistance in this frustrating matter.
Company Response:
State: TN
Zip: 384XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XXXX, a company called Portfolio Recovery Associates allegedly purchased a debt I supposedly originally owed to XXXX XXXX. I have continued to dispute ever owing this charge. In XXXX, I formally disputed it with all 3 credit bureaus and it was removed from all but XXXX. They sent me a formal report ( attached ) stating that the tradeline for Portfolio Recovery would be removed in XX/XX/XXXX. I have included a copy of the report from XXXX ( please see page XX/XX/XXXX ). In XX/XX/XXXX, I contacted XXXX directly and was told the tradeline would be officially removed XX/XX/XXXX. I called on XX/XX/XXXX and was told that the date could potentially be moved to XX/XX/XXXX. The law states that the tradeline can only stay on the report for a maximum of 7 years from the initial default date of the ORIGINAL debt. XXXX XXXX is showing XXXX as the last payment received which already makes it XXXX yrs old.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/31 XXXX - I asked that Portfolio Recovery Associates XXXXtact me via US Mail and no longer to call me. XXXX XXXX - XXXX XXXX called from Portfolio Recovery Associates called. I asked for their mailing address and explained that I requested they cease contact via phone more than 24 hours ago and they were in violation of the law. XXXX proceeded to argue with me that she was not in violation. Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX The numbers used to call me were XXXX and XXXX
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. They have sent a letter now stating I owe for a loan on my truck that was already paid, but didnt send original documentation. They have falsified documents with forged payments not showing accurate payments that were made at all. The debt was charged off in XXXX. I was in bankruptcy during the time the debt was charged off. So they are attempting to collect a debt that was charged off by the original debtor will I was in bankruptcy. Plus ; the debt is past the statue of limitations and is time barred, and no property or collateral can be seized. They are attempting to sell my vehicle and never gave notice of me owing a debt which is the law. Also, I have to have the opportunity to buy the vehicle back at value according to law. They are using harassment tactics to collect a debt that has XXXX been paid. Illegal practices are being used. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after XXXX yrs and any debts were passed statue of limitations and were considered time barred debts and in after XXXX yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past XXXX yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately. Something needs to be done Immediately. XXXX XXXX please send a release and letter of forgiveness for this debt that was wrongfully taken. I am a XXXX Veteran and served my country with honor. This is not the way you treat hardworking people who have placed their lives on the line for this country. I paid my debt and honored my commitment to you now please send my letter that shows my debt was taken care of.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Requested written documentation of debts I was told I owed. Its been well over a month, and nothing from them. The requests were sent via Certified Mail through the USPS. Im trying to do the right thing by confirming this debt as it negatively affects my credit score. Without the info provided by the creditors or collection agencies, I can not move forward in rebuilding my credit. Its infuriating. Portfolio Recovery Associates in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is where the Certified Mail was delivered.
Company Response:
State: TN
Zip: 37849
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery Cease and desist ANY and ALL claims you claim you have on me under15 U.S.C. 1692cc and 15U.S.C.1692 e { XXXX } cease communications of ALL collection and debt information that you have, to any body or company other than my self by mail only this is an official notices
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Date Assigned XX/XX/2018 Account Number open Portfolio Recovery Original Amount Owed {$1000.00} that I owe. I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Date Assigned XX/XX/2019 Account Number Open PORTFOLIO Recovery Original Amount Owed {$440.00} that I owe. I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A