Date Received: 2022-07-05
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Unbeknownst to me, Portfolio Recovery Associates , LLC. filed a lawsuit against me without informing me. I received numerous attorney advertisements via USPS stating that Portfolio Recovery Associates has filed a lawsuit against me to collect a credit card debt. I went online to the XXXX XXXX Clerk of Courts website and saw that they violated HIPAA by sharing my doctors information and tests that were conducted on the credit card statement Portfolio Recovery Associates posted publicly for the whole world to see. This information should have been redacted. This has caused severe stress and anxiety. I am XXXX with a severe and debilitating illness. They violated my privacy and caused my health to decline even further.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery Associates , LLc committing Identity theft. I am a Federally protected consumer. I never gave Portfolio Recovery Associates any permission to use my Identifying information to commit mail fraud by contacting me about an alleged debt. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I demand all illegal activity cease and desist. Portfolio Recovery Associates , LLc are in violation of 18 USC 1028A aggravated Identity theft. You are hereby notified Pursuant UCC 1-202f.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX I have attempted numerous of times to see if the debt belongs to me since it was obtained during a time I was in prison which was public records all the company keeps sending me is a letter with a past due amount and my name on it.. The same thing with portfolio recovery Now if the debt is mine I am requesting everything I am allowed bi law to obtain like payment history how made payment or purchases you know its six years old and all I get from these companies is a letter with my name and a past due amount.. if its mine I will accept responsibility but am not paying for something like that I dont remeber owing.. and all I keep getting is the same letter my name and a past due amount nothing nothing to say it was me.. please help me obtain the relief I am allowed bi law to help me fix my credit I dont want to report fraud to start another negative remark for 7 years just because these companies keep saying I owe them with a letter and my name
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent Validation of debt letter to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/22 which they received on XX/XX/22. In the letter i asked for a number a verifiable documents that would prove that their company was authorized to collect this alleged debt as well as a signed contract between me and the original creditor and a signed agreement between me and PORTFOLIO RECOVERY ASSOCIATES which grants them authorization to collect this alleged debt. They have not provided that information. I also stated that if any of my verification requests were not completed entirely, they their claim and or response would not be accepted. They did NOT sufficiently validate this debt.Their company responded with statements that had balances that did not match the amount they are collecting. Also, in their initial response they had a statement that read : " THIS IS A COMMUNICATION FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT '' which is illegal according to 12 CFR 1006.18 ( E ). The original amount they are collecting is {$1100.00} but the amounts on the statements are {$1300.00} and {$1300.00}. They are in violation of a number of laws according to the FDCPA. VIOLATIONS 12 CFR 1006.34 ( C ) ( 2 ) ( VII ) - NO ITEMIZED DATE PROVIDED 12 CFR 1006.34 ( C ) ( 2 ) ( VIII ) - AN ITEMIZATION OF THE CURRENT AMOUNT OF THE DEBT REFLECTING INTEREST, FEES, PAYMENTS, AND CREDITS SINCE ITEMIZATION DATE. 12 CFR 1006.34 ( C ) ( 3 ) ( i ) - ( iv ) - INFORMATION ABOUNT CONSUMER PROTECTIONS 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - ( ii ) CONSUMER RESPONSE INFORMATION 12 CFR 1006.34 ( D ) ( 1 ) FORM OF VALIDATION DISCLOSURE 12 CFR 1006.18 ( E ) DISCLOSURE REQUIRED
Company Response:
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My credit report recently had collection attempt for {$1900.00} from PORTFOLIO RECOV ASSOC, first digits of account are XXXX. They claim on their records to have purchased this from XXXX. I have personally contacted XXXX and they have no records of my social security number being linked to this or any other account. I contacted the collection agency for any documentation what so ever and they have not contacted me back. They have never called me or emailed me before randomly appearing on my credit report this month
Company Response:
State: FL
Zip: 34104
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 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 a account without my written instructions
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have requested, and on numerous occasions - a Do Not contact and from this debt collector. I am reliant on a Do NOT Contact description from FDCPA. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX - has sent no less than XXXX articles/letters to me and through the USPS- and since the request of do not contact was initiated, they confirmed the request and more than a year ago, I have kept the communications. The CFPB has them as well. I have also - never, asked for a VOD. Please ensure you do not attach a statement, nor mail anything - as the cease request is still in place, The response to this complaint- is just that. Further, I believe ( and its discoverable ) that XXXX has contracted its collection efforts, and to at least XXXX companies. Where as - inquiries, and communications have occurred to entities they ( XXXX ) were asked to cease communications with. The request of DO NOT contact extends itself naturally, to anyone you have chosen to do business with, and for any reason, and forever. You fail, XXXX, to disclose this information of who is acting on your behalf/as you - however, you then choose to NOT adhere to the initial request to you and yours ( acting as/for you ) to cease contact. The cease contact request remains, and with absolutely no constraint. This simply means it applies to all of your practice, and actions and anyone you hire to act on your behalf. At some point, the actual penalties will be real - and outweigh your actions. We are at the cusp, remember there is a class of people. Do not contact any one for anything.
Company Response:
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio Recovery Associates bought my debt from XXXX XXXX in XXXX. The total balance owed to XXXX XXXX was XXXX as of XX/XX/XXXX. That was quoted to me by email from XXXX XXXX. I then made 7 payments after that email for XXXX each. Covid happened and I was the sole provider so I was unable to pay XXXX XXXX after XX/XX/XXXX. I only owed XXXX XXXX {$560.00} when I stopped paying them. PRA is now attempting to collect {$2200.00} from me. I contacted PRA and informed them the balance is incorrect. This is a violation of the Fair Debt Collection Practices Act.
Company Response:
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Account is paid
Company Response:
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A