Date Received: 2022-08-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, I returned a phone call from Portfolio Recovery XXXX who called multiple times within the last few weeks but never left a voicemail. I returned the call and realized it was Portfolio Recovery. The first representative I spoke to told me that my debt amount was {$3200.00}. I told the guy, if I am able to make a one time payment of {$1800.00} right now will you be able to delete the debt. He made me aware that because my account is in a judgement status, I normally can not make a settlement but that he will contact his Assistant Vice President which he did. He asked what I do for a living and I replied that I am a case management specialist ; he also asked why did i stop making payments on the debt in XXXX ; I replied becuase I was without a job and that I have sickle cell that has me in and out of jobs. He clicked over spoke to the other party and clicked back over and said that he was able to get the payment down to {$2400.00}. I replied no, I can do {$1800.00}. He responded ; Can you do {$1800.00} and make the remaining payments. I said no and that I will just send a dispute letter and start from there. He told me to hold on ; he came back to the phone and said that they will settle for {$1800.00} close out the account. I had the guy repeat what he said and I asked if this was being recoreded and which he replied yes. He proceeded to ask for my debit card number which i provided. In the mist of reading the disclaimer to me, he had me wait for approximately 25 minutes. After the money was removed from my bank account, the representative got on the phone and said they declined the {$1800.00} after taking the money out of my account. I needed reassurance so I asked " you all accepted the offer took the money out of my account then declined the offer and said that I can make payments which I did not agree to. '' The representative responded that they will refund me which will take a week. At this point I was provided false information and {$1800.00} was taken out of my account. The conversation ended. I called back and got a different representative and I asked, " if this call was being recorded '' and the response was yes. I asked to speak with a manager and they were able to get me to someone. I explained my situation and the response was if the debt is in judgment, there is typically no settlement for less. But they also said that I have a balance of {$2800.00}. At this point I was confused because I was given three different balances and was told that the settlement was for {$1800.00} after they took the money from my account and reneged on an agreement. I was then told that a complaint would be put in on my behalf because I couldn't put the complaint in myself. I was told that there was no time frame in getting a response. After being misguided, after be presented fraud information to obtain money from me, after the company reneging on its own wording, I would like to settle this for {$1800.00} that was taken out of my account as an end to debt ratio as I was told in the beginning. This has all been recorded.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Original creditor PORTFOLIO RECOVERY Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of XXXX, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Can not show original contract from creditor saying how much they are accusing me of.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My rights are being violated by Portfolio Recovery. I have no Idea who they are and why they claim I owe something. I have never had a contract with them and I am also a victim of idenity theft. I need more information as where this came from and I need to know is Portfolio a for profit company, i need to know do they pay taxes and I need to see a copy of my original documents including a copy of my drivers license. I need to see a full disclosure of the alleged account. I am excersing the privacy act of 1974. public law 93-579 as codified at 5U.S.C. 552A 08 XXXX XXXX - information shows as not reported .I believe this is a scam
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i have no knowledge of this account and i did not authorize this account
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
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, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. I HAVE FOLLOWED ALL THE ADVICE. I did everything XXXX XXXX to do. It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. An INFORMATION FURNISHER AND DEBT BUYER NAMED PORTFOLIO RECOVERY ASSOCIATES LLC LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. Can you please help me remind PORTFOLIO RECOVERY ASSOCIATES of the laws and protections for American citizens like myself. XXXX not going to pay XXXX debts that ARE NOT MINE. Maybe PORTFOLIO RECOVERY associates dont understand rules? ACCOUNTS IN QUESTION ARE XXXX COLLECTION accounts Owned by Portfolio bought from XXXX XXXX is for XXXX and the other is {$350.00}. BOTH ARE NOT MINE. Thank you for your help, XXXX XXXX
Company Response:
State: CA
Zip: 92544
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a debt validation request to Portfolio Recovery on XX/XX/2022. Portfolio Recovery responded but did not provide sufficient information to adequately validate the debt in question. This is a violation of my rights under the FDCPA. This account needs to be deleted immediately.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a debt validation request to Portfolio Recovery on XX/XX/2022. Portfolio Recovery responded but did not provide sufficient information to adequately validate the debt in question. This is a violation of my rights under the FDCPA. This account needs to be deleted immediately.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Calls daily from various phone numbers and locations ( based on area codes showing )
Company Response:
State: TN
Zip: 37303
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On Saturday, XX/XX/2022 at XXXX a.m. I received a call from XXXX XXXX # XXXX an agent from Portfolio Recovery XXXX. During the call XXXX XXXX stated that this is another of several attempts to collect a debt. Then XXXX XXXX proceeded to violate 15 U.S.C. 1692 ( b ) ( 2 ), 15 U.S.C. 1692 ( d ) ( 1 ), ( 2 ), ( 5 ), 15 U.S.C. 1692 ( e ) ( 10 ) and 18 U.S.C. 894. I called back to express to her manager XXXX XXXX XXXX # XXXX, that his empolyee violated my rights as a consumer and he states that the alleged debt had not been validated and disconnected the call.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A