Date Received: 2022-05-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: No information is ever given and no message left. They repeatedly call multiple times a day frim different numbers all showing under portfolio recovery and hang-up. I am registered on the do not call registry and the repeat calls are seriously annoying.
Company Response:
State: WI
Zip: 541XX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: STATEMENT OF FACTS : XXXX. On XX/XX/XXXX, XXXX XXXX, hereinafter Respondent, made presentment of a PRIVATE ADMINISTRATIVE REMEDY DEMAND No. XXXX, incorporated herein in its entirety as Attachment A, to Portfolio Recovery Associates LLC XXXX hereinafter Debt Collector, for the setoff, settlement, and closure of Account No. XXXX, hereinafter Account, sent via USPS Registered Mail, Article No. XXXX. XXXX. Enclosed was an Offer of Performance, Tender of payment ( promissory note ) and Debt Collector Disclosure Statement, incorporated herein in its entirety as Attachment A giving twenty onXXXX ( 21 ) days for response. XXXX. On XX/XX/XXXX, XXXX XXXX, made presentment of a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND CONTEST ACCEPTANCE incorporated herein in its entirety as Attachment A, to Portfolio Recovery Associates, sent via USPS, Article No. XXXX, giving debt collector ten ( 10 ) days to respond XXXX. On XX/XX/XXXX, XXXX Collector mailed to Respondent a computer-generated correspondence dishonoring the offer of performance. Debt collector failed to provide verification of debt, only statements alleging its validity. 5. Debt Collectors failure to sufficiently respond or timely honor the Presentment, by the terms of the Presentment, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE contained therein. XXXX. As of XX/XX/XXXX Respondent has not received sufficient response to the Presentment, thereby placing the Debt Collector at fault, as evidenced by the CERTIFICATE OF NON-PERFORMANCE dated XX/XX/XXXX, a record of which is attached hereto as Attachment A. 7. Debt Collectors failure to sufficiently respond or timely honor the Fault Notice, by the terms of the Fault Notice, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE incorporated with the Presentment. 8. Debt Collectors acceptance and approval of the TENDER OF PAYMENT ( Money Order ) constitutes Debt Collectors agreement to the stipulated aggregate amount of unpaid obligations being XXXX ( {$0.00} ) and XXXX/XXXX dollars. 9. Debt Collector has defaulted. 10. As an operation of law, Debt Collector by dishonor of the Presentment and the Fault Notice has created a default. On XX/XX/XXXX I sent to portfolio recovery associates a notice of default and consent to judgement, which they have failed to respond. **Portfolio recovery associates has threatened and continued to report unverified information to the credit bureaus
Company Response:
State: CA
Zip: 955XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company refused to remove this information off of my credit report
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I opened a XXXX XXXX credit card in XX/XX/XXXX. And was closed at credit Grantors request shortly after. The amount of the debt when account was closed was {$7300.00}. I have a copy on a credit report from XX/XX/XXXX that shows on record until XX/XX/XXXX. In XX/XX/XXXX the debt was purchased by Portfolio Recovery Associates who reported the debt amount of {$7300.00} and reset the date of the original debt. I disputed the debt multiple times with all three credit bureaus. XXXX deleted the account but XXXX and XXXX only tell me that they updated the account but no information shows to have been changed. I have also repeatedly requested documentation to validate the increase in the debt amount that occurred when the debt was purchased, years after the account was closed, but Portfolio Recovery Associates has failed to provide any requested documentation.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I Tried to work with these companies with removing all the interest penalties. None of them wanted to help me.the loans have been sold to companies I now knowledge I dent make no loan with none of them companies.
Company Response:
State: LA
Zip: 70126
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: This Company has violate their rights by calling me 7 days a week including Holidays and nights and bullying me and they call my husband phone with the same tactic to pay a debt that has been years ago. I have all the phone record proof of how this company should be shut down with all the scam they are pulling. Now they are trying to sue me and take me to court over this matter.
Company Response:
State: TN
Zip: 37207
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX PORTFOLIO RC XX/XX/22 RE. We have disputed this account.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They called me multiple times a week and during work hours, I have asked them to not call during work hours and they still continue to. They called me at XXXX XX/XX/22 I asked them to send written conformation of the debt they said they have sent them. I have not received them. They said something about sueing but the call was spotty so it was breaking up. The caller then got very defensive with me when I asked them to send another written conformation. She continued to say that they have and I asked them to send it again and then I was hung up on.
Company Response:
State: WA
Zip: 98405
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery reported an alleged debt on my credit reports that does not belong to me. I've requested debt validation several times to no avail.
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company portfolio recovery services represented XXXX XXXX XXXX and this account was dissmissed making me no long responsible for this account see attached.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A