Date Received: 2022-08-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Debt collector called me 6 times within one minute. All calls were from the same number at XXXX.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been disputing this account for years now with Portfolio Recovery. Each and every time that I ask for validation they show me a bill/statement. I reported them to the XXXX XXXX XXXX few days later this account was removed from my XXXX file. No one contacted me or anything all I know it was remove from XXXX. Then recently, I received a notification that there was a new collection added and when I looked it was portfolio recovery. This company has been in violation for years anytime I asked for validation by law they are supposed to remove it from my credit file while investigations are going on. They have never done that. When they respond they respond with a bill. Then they claim that I had a original contract with XXXX XXXX. I am demanding to see the contract between me and the ORIGINAL CREDITOR OR PORTFOLIO RECOVERY BEARING MY SIGNATURE. A statement, a bill is not an original contract.. please show me my signature that you claim I signed obligating me to this debt. I am entitled as a federal protected consumer. I also have the right to privacy under law. I also never gave you written instructions to report on my credit report. In addition, please show me where I gave Portfolio Recovery WRITTEN INSTRUCTIONS. IF YOU CANT PROVIDE ANYTHING I ASK FOR YOU HAVE TO REMOVE THIS FROM MY CREDIT FILE AND CEASE COLLECTION AND LETTER STATING THAT I DONT OWE THIS COMPANY ANYTHING. I have been responding since your initial communication but you have not given me what I asked for. A bill does not prove my ownership/obligation to a debt. Also, PRA deleted this tradeline and then put it back. NEW YORK STATE HAS UPDATED LAW WITH DEBT COLLECTION PRACTICES. PROVIDE CONTRACT WITH MY ORIGINAL SIGNATURE. PLEASE PROVIDE THROUGH THE CFPB PORTAL PROOF OF THAT CONTRACT AND APPLICATION IF YOU CANT PROVIDE DELETE IMMEDIATELY.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX XXXXXXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector Portfolio Recovery and XXXXXXXX XXXX. XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.
Company Response:
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I continue to get calls from Portfolio Recovery Assoc. and from a variety of phone numbers from different states. I recently moved from XXXX to XXXX to live with my family. The XXXX law says an out-of-state collection agency must maintain a physical presence in their state in order to collect debt. This business does not physically have a business in XXXX. XXXX Debt Collection Laws ( B ) A collection agency with a place of business in this state may take an assignment of another persons accounts, bills, or other evidence of indebtedness in its own name for the purpose of billing, collecting, or filing suit in its own name as the real party in interest. I believe this company can not collect a debt in XXXX that was created in XXXX XXXX.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to 15 U.S. Code 1681s-2 Portfolio Recovery Associates LLC , XXXX XXXX XXXX XXXX XXXX and XXXX COLLECTIONS has furnished incorrect information to the consumer reporting agencies. Under U.S. Code 1692g Validation of debt. The listed said names have failed in providing proof that I the consumer have a contract with them and that I owe any amount. I have sent a letter of validation, letter of cease and desist and now my affidavit of fact stating that by law they are violating my rights as a consumer and are breaking multiple laws by so and I have demand that said names listed to cease and desist immediately multiple times. The Listed said names have only provided printed billing statements or records that will not verify or validate a debt according to Federal ruling. See XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Rules of Evidence [ " FRE '' ] Rule 602. I've ask that they send purchase agreement, affidavit of purchase, There license number to do business in the state of Kentucky, registered agent of service and any signed signatures that I have an agreement with said names listed.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have disputed the following with XXXX and the creditor directly. I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. XXXXXXXX XXXX XXXXXXXX Collections XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. Also was not opened by me and the original creditor can not provide proof upon request. PORTFOLIO RECOV ASSOC Collections XXXX XXXX {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. Also was not opened by me and the original creditor can not provide proof upon request. PORTFOLIO RECOV ASSOC Collections {$520.00} Original creditor : XXXXXXXX XXXX showing opened date of XX/XX/XXXX- but synchrony Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. Also was not opened by me and the original creditor can not provide proof upon request.
Company Response:
State: FL
Zip: 33460
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Company Name : Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Since approximately XXXX, this company has contacted me repeatedly through calls and as of XX/XX/XXXX court summons. Most typically, they have called 3-4 times per week ; often using phone numbers that were not associated with them in any manner so as to avoid identification. They bought a credit card debt from a retailer that was closed in XX/XX/XXXX and subsequently charged off my credit record by the retailer in XXXX. Since they bought this debt in XXXX, not only have they continued to call several times per week, as of today on XX/XX/XXXX they served me with a summons to appear in court regarding this disputed claim with no notice, written or otherwise they were pursuing legal action. They summons was written and filed on XX/XX/XXXX and I did not receive this delivered by a process server until today on XX/XX/XXXX ( over two months from which this was signed ). Additionally, as part of this pattern of harassment, they have continued every few months to place on my credit record this and another debt acquired by them as new debt, which continues to unnecessarily tarnish my credit record ; instead of this being posted as old debt ( which it is and which they agree from XXXX ). Thank you for your help in this matter! XXXX
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Almost every day for the last month or so I have been getting repeat calls from this number or blocked numbers. I was able to verify that I do not own any debt with them. The callers are extremely rude and prone to use foul language. I live in XXXX and they are looking for some XXXX from another state. Portfolio recovery associates XXXXXXXX XXXX XXXXXXXX
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX ( XXXX ) XXXX called and labeled as Portfolio Recovery. The number called a private line of mine that is only friends and family. Looking for someone, that I have no idea who this person is. Since this is a second very private number, the number above has repeatedly called me without permission to my phone number or even access. I am unsure of how would have my phone number and why would call me. It begs the question of how did Portfolio Recovery find a private number that is only given to family and friends? I believe something illegal is being done by Portfolio Recovery to obtain phone numbers and names, in their debt collection process. The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. Based on Portfolio Recovery calling my private number, they are engaging in criminal behavior, and attempting to falsely create debts by deceptive practices in obtaining names and information. Theses are deceptive practices, or engaging in deceptive, because private number only given to family and friends. Portfolio Recovery has no business calling me and unlawful way of obtaining my private number while harassing me. This number calls me often and I received a call today mid day on Saturday.
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/22 I received a debt collection letter from Portfolio Recovery Associates for the amount of {$880.00} and stating I owe XXXX XXXX XXXX XXXX XXXX The are fraudulently trying to collect on a debt that is past the statute of limitations of 7 years. The account referenced is : XXXX.
Company Response:
State: UT
Zip: 84078
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A