Date Received: 2022-06-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: They say I opened an account on XX/XX/2021 with a balance of {$7100.00}, but I I have never signed any contracts or documents opening anything I would like to see the full contract saying I opened this with them and a full un-redacted purchase agreement
Company Response:
State: OH
Zip: 45036
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: It says the balance is {$2500.00} and the original amount was {$2600.00}, and that Ive paid 2 % of the total so far? I have never signed any documents or agreed to any terms and I have no idea as to how theyre saying that I have authorized payment And I did not sign any contracts opening this account on XX/XX/2021 I want a copy of the contract and a full un-redacted copy of the purchase agreement
Company Response:
State: OH
Zip: 45036
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. Portfolio Recovery Associates , LLC mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXX as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can Portfolio Recovery Associates , LLC allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692c ( b ) Portfolio Recovery Associates , LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Portfolio Recovery Associates , LLC has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: as i was looking into my credit report ive noticed inaccurate information reporting on my credit report i did not open any credit or debt cards with any credit company i have never did any business with XXXXXXXX XXXX XXXX XXXX XXXXXXXX they have a account reporting on my credit for XXXX i did not do that and i will not pay for a account that was false created i ask of you to please have the credit breau to remove this item off my credit i will have to reslut in litagation with all 3 credit breaus and anyone who houses this information under the consumer law the law states under 15 usc 1681 and 15 usc1692g theses are abusive practices and deceptive langues i aske you please remove this debt XXXX XXXX XXXX XXXX portfolio recovery XXXXXXXX
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/2022 through XX/XX/2022 each and every day XX/XX/2022 through XX/XX/2022 each and every day Portfolio services called me. I have all call logs on my phone.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Multiple violations that are being reported on my credit report with this debt. Sent in multiple letters with no verification being sent back. They are reporting : a closed account with a past due amount ( letter sent XX/XX/XXXX ) XXXX different dates listed under date of last activity ( letter sent XX/XX/XXXX ) Closed account reporting open ( letter sent XX/XX/XXXX )
Company Response:
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I recently found out that Portfolio Recovery Associates filed a lawsuit against me in Virginia where I do not live on behalf of XXXXXXXX XXXX I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On this date XX/XX/2021 company opened a collection. Account XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureus. XXXX XXXX
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I sent a document to Portfolio Recovery requesting proof that they had verified several accounts on my credit report prior to reporting the information. Previously, I have sent additional letters requesting this data, which they have not provided. Consumers are entitled to review the original sources of the information reported, including originating documentation. Since no information at all has been provided by the bureau, it is impossible to verify that these accounts are being reported accurately. Please direct Portfolio to promptly remove the unverified items from my credit report until they can verify their legitimacy. I have attached copies of all letters sent, along with receipts from the U.S. Postal Service indicating the mailing dates and the date they were received by the credit bureau, along with copies of all correspondence I have received from the bureau. Thank you very much for your help.
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A