Date Received: 2022-06-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: called on a saturday. they call every day from different phone numbers.
Company Response:
State: NY
Zip: 13502
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I do not have information regarding any debt. They do not leave any messages regarding the said debt owed. I receive phone calls from them at least twice a day. The phone calls come from various phone numbers. All attempts I have made to block them are thwarted by them calling from another phone number. It's beginning to get obnoxious.
Company Response:
State: ID
Zip: 83634
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case PORTFOLIO RECOVERY ASSOCIATE is attempting to collect XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery has shared my personal illegally with the scam company XXXX XXXX without notifying me of selling my information. XXXX XXXX has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched XXXX XXXX in my state and they don't even have a collection license. Portfolio Recovery has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to Portfolio Recovery. What kind of racquet are they running? Create a strawman, make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like XXXX XXXX which has a website with no information that could've been made by a XXXX year old. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Good evening, I see that XXXX XXXXXXXX Portfolio Recovery Associates sent an account to collections that doesn't belong to me, and I believe that I'm a victim of identity theft. They are saying that I had a credit card for {$2500.00} that doesn't belong to me. I can prove that this isn't my account because my credit score wasn't high enough to obtain a credit card from XXXX XXXX in XXXX for an amount that is this high. I've attached a copy of the identity theft report from identitytheft.gov. I also added some pdf 's from the XXXX Credit report saying that this account is on my credit report as of today XX/XX/XXXX even though it should not be. I also added a copy of my U.S. Passport and my social security card in an attempt to prove my identity. I'm going to also mail in a paper copy of this complaint to XXXX to make sure to they receive my complaint about this account that should deleted from my credit report.
Company Response:
State: MA
Zip: 02130
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Debt collector despite several communications pertaining to information pertaining to the dept has continued to call prior to XXXX and after XXXX on weekdays, including calls during the weekend. Have advised them of the violation numerous times and they continue to do so. I have spoken to manager pertaining to this, and they blatantly do not care. Debt is pass the statue of my state, I have advised them I am unemployed and asked for the validity of the debt they refuse to provide with my signature, as well as have harrassed me in my life calling people i am assosicated with including social media but worse when they harrass me outside of their operating hours and law includiung the weekend incliding today XX/XX/11 @ XXXX, XXXX, XXXX XXXX
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Portfolio RecoveryXXXX XXXX XXXX has been mailing and calling and harassing my family and I about a debt that would be too old to collect on but I do not owe them any money anyway.
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Creditor : XXXX XXXX Nevada XXXX. Your Account XXXX. XXXX, Reference No. XXXX ORIGINAL XXXX XXXX Nevada XXXX. Account Documents Requested Portfolio Recovery REFUSES to send me copies of the above ORIGINAL ACCOUNT from XXXX XXXX Nevada, XXXX, which was CLOSED when XXXX XXXX XXXX spent XXXX XXXX dollars to purchase this and other credit card accounts from XXXX XXXX, or on around XX/XX/XXXX. This account was closed over TEN years ago and is NOW outside the STATUTE OF LIMITATIONS for collection in the State of Georgia. Information from XXXX : On XX/XX/XXXX, XXXX XXXX completed its acquisition of the majority of XXXX 's United States credit card business for a reported {$2.00} XXXX, adding definitiveness to a sale that caused a stir among consumers following its tentative announcement in XX/XX/XXXX. Despite my repeated requests for ORIGINAL XXXX XXXX credit card account records to prove this IS NOT a valid collection account, Portfolio continues to send me copies of documents from XXXX XXXX XXXX. The attached file shows the account was opened in XXXX so they do have the records, but refuse to provide copies because it will show it was closed by XXXX. I believe Portfolio Recovery Associates is willfully damaging my credit by reporting this 10-year-old XXXX account to the credit bureaus under the faade of being a legitimate XXXX XXXX XXXX account XXXX
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX PORTFOLIO RC no additional information on consumer credit report provided by XXXX XXXX. I do not have nor ever had an account with Creditor Name PORTFOLIO RC Or Original Creditor XXXX XXXX XXXX reporting a debt that doesn't belong to me '' and belongs to another unknown person on my credit report. I HAVE TAKEN ACTIONS SEE BELOW : STEP 1- online research for this debt Original Creditor XXXX XXXX XXXX- this creditor is large and they are unable to provide me with the right branch because I do not have No account number, no report on my credit report from XXXX XXXX . STEP 2- Conducted an online search for contact information and called PORTFOLIO RC - Customer service : XXXX ( XXXX ) XXXX PRA Group , XXXX. is a publicly traded global debt buyer based in XXXX , Virginia . PRA Group- After several calls to this agency, the agents were unable to identify my name, account number reported on the credit report, phone number or any other fact. UNABLE to obtain answers and upset after so many phone calls from portfolio recovery, I confronted the caller and demanded my information to be verified- they declined to validate my information and instead wanted me to provide them with my personal information. If they are harassing me, they should be able to validate it is me? no? Went online tried to see if I could find my information by using the I forgot my password- no result. Again, the issue is they force you to provide your personal information willingly- entering volunteering information without validating this is you. IMPORTANT NOTE- the only way to access them is to give them your full name, social, address and phone. Seems odd because now they have your information completely and provided by the costumer. after entering all my info- the website gave me this note. -- -Your account was not found STEP 3- placed a dispute with the agency and a dispute with all 3 credit bureaus but they have not removed it after my pleas for validation request. instead, they have used my calls as acknowledgment of this debt Creditors PORTFOLIO RC and XXXX XXXX credit reported PORTFOLIO RC. XXXX XX/XX/XXXX XXXX XXXX PORTFOLIO RC Account No. XXXX Original Creditor. XXXX XXXX XXXX Responsibility. Individual Condition. Derogatory Original Balance. XXXX XXXX. XXXX Date Opened. XX/XX/XXXX Date Reported. XX/XX/XXXX Remarks. Placed for collection
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX Has been sending me collection notices in the amount of {$400.00} The collection has been reported as a past due balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. This company does not have any contract with my signature
Company Response:
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A