Date Received: 2022-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I dispute this debit and ask for validation 4 times and they keep saying I owe them money {$4500.00}. this is not my debit. I don't know this company and I don't have a sign contract with this company.
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Portfolio RC Account # XXXX Ending # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: On XXXX I received a letter from portfolio recovery associates whom is a debt collection company that purchased my debt from a previous company in XX/XX/XXXX. The letter stated that I were to select a payment plan and to begin making payments by XXXX XXXX XXXX or my account will be referred to and flagged as a collection. On XX/XX/XXXX XXXX I received a notification from the credit reporting bureaus stating that my account was flagged for collections by portfolio recovery associates on XX/XX/XXXX. Almost a week prior to the date stated in the letter that I must have selected a plan and paid by. This company denied me the full opportunity to select a plan and make payments by the deadline that they themselves informed me of before I referred to collections. This is egregious buy and violates my protective rights, I respectfully ask that this account is removed from my credit report immediately as I will continue to make payments to said company via the plan that I did select by the deadline that they gave me.
Company Response:
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Portfolio Recovery acquired a debt owed to XXXX ( XX/XX/XXXX ) ( Portfolio Recovery Associates ( PRA ) ) - XXXX. A settlement for this account Was reached thru XXXX XXXX in XX/XX/XXXX and the last payment made XX/XX/XXXX. PRA continues to show this as a active collection with no payment plan. XXXX has attempted to obtain a XXXX balance and PRA has failed to respond. I want a receive a XXXX balance letter. This is the second account they have failed to provide documentation for & I can only get them to respond they a formal complaint.
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am a senior over the age of XXXX. PORTFOLIO RECOVERY ASSOCIATES LLC HAS BEEN HARASSING ME BY WAY OF TELECOMMUNICATIONS FOR A VERY LONG TIME. MORE THAN FIVE YEARS. I have been recently informed of my rights in this matter and have sent out XXXX cease and desist letters to this company in order for this to stop. I have never heard of this company and do not have any contracts nor any transactions have been made between us. This company has called me at inconvenient times with the intent to harass and annoy. They have used several different phone number and have not once properly identify themselves or any disclosures. This is a violation of 15 usc 1692 ( d ) These correspondences will be sent out by mail to your company for review with tracking # : XXXX XXXX XXXX XXXX XXXX I have placed my phone number on the FTC DO NOT CALL LIST as well. Yet the harassment has yet to cease. They have violated me under 15 USC 1692 et seq. I am requesting remedy under 15 usc 1692k civil liabilities in the amount of {$1000.00} per account of violation and {$1000.00} per account of damages, mental anguish and emotional distress. Please note, correspondences have been forwarded to you by mail.
Company Response:
State: FL
Zip: 33613
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: this collection collection not mine
Company Response:
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: this collection account not mine
Company Response:
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery Services calls me every week to collect a debt for a XXXX XXXX who lives in CA based on my investigation. My name is XXXX XXXX. I believe we both have a same/similar middle name, same DOB and similar SSN. This company is mistaken and calling to collect a debt from the wrong person. I have repeatedly asked that the calls stop to have my phone number removed from their list, and have attempted to block the many different phone numbers that call me, all without success. These calls are harassing. I need something done to stop the calls.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX and Portfolio credit agencies are collecting credit card debt for the same consumers. This debt collector represents an inactive debt and is duplicate reporting. Also, I have not received notice of debt ither.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 a account without my written instructions
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A