Date Received: 2022-04-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear Sir/Madam, I requested a detailed verification letter for the debt that the Recovery Portfolio Associates LLC is claiming to be mine. The letter by mail was send to XXXX well as online verification form on their website was submitted on the XXXX of XX/XX/2022 and I still did not received the response. Today is XX/XX/2022. Under Fair Debt Collection act I'm entitled to received the notice within 10 days! See the letter below! This letter is sent in response to a letter I received. I'm requesting that you provide verification of the debt you mentioned. Please send the following information : The name and the address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor, a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. Please also forward details about your authority to collect this debt, Whether you are licensed in my state and if so provide the date of the license, name of the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. After all that has been done, it's clear to me that the company is a scam!
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt collection account that was brought from XXXX XXXX illegal because PORTFOLIO RECOVERY ASSOCIATES LLC is an unauthorized third party for the consumer credit transaction. They at the moment have my personal information which I didnt give them authorization to have. And I requested a debt validation but they didnt provide it and they were supposed to cease collection of this alleged debt. Im here now to involk my rights as a consumer pursuant to 15 usc 1692c. I refuse to pay this debt.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX is unfit
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX is unfit
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
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 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any Purpose
Company Response:
State: OH
Zip: 44484
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: portafolio recovery associates llc have consistently called me on the weekend since XX/XX/2022. I dont recognize them as a lender to me. I refuse to answer their calls. I sent them a letter demanding they stop calling specially on the weekend.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA XXXX XXXX PORTFOLIO RECOV ASSOC XXXXXXXX creditor : XXXX XXXX XXXX {$850.00} Balance updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX {$540.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXK {$420.00} Balance updated XXXX XXXXXXXX XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXXXXXX XXXX {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX. {$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$3100.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX {$2400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: From XXXX to XXXX, I was living in Idaho. I purchased a home in XXXX Idaho in XXXX. In XXXX, my marriage of 21 years sadly ended due to my spouses substance abuse issues. At the same time, my mom died, I was laid off my job, and I contracted a XXXX XXXX and made me temporarily XXXX and unable to walk without fainting, I was in a wheelchair for 6 months. I had 2 young children and I worked diligently to find resources to make sure we did not end up living in our car. Because my ex-spouse did not pay his portion of child support or any debts, I did not have enough money to pay the creditors. When I was healthy and back to working full time, I was only making {$10.00} per hour as a Substitute Teacher. Although I was working with the bank to get a forbearance, they eventually took my house. In XXXX, XXXX XXXX took me to Court for a XXXX XXXX concerning a credit card debt of around {$20000.00}. Upon seeing I did not have my house or even a bank account, they said they would file a Judgement against me. Periodically, XXXX XXXX would contact me and when I showed them my financials, they could see I really didnt have the resources to pay against the debt. By XXXX I stopped hearing from XXXX XXXX and the Judgement stopped showing on my credit report by XXXX. Because I had sustained such a harsh financial set-back from the divorce, it took everything I could do to have enough money to live on. I tried and was unsuccessful in gaining permanent employment and continued as a XXXX XXXX until I moved in XXXX to Washington State. My daughter had received a scholarship to attend an XXXX XXXX in XXXX, but it did not include living expenses. Unable to help her financially and unable to obtain credit, In XXXX we moved to Washington to use my limited housing budget for her to be able to live at home & go to school. I was also hoping I could possibly earn a better income in a larger city. In Washington I was able to gain temporary contract work, but nothing permanent until XX/XX/XXXX when I was hired as a permanent employee of XXXX XXXX XXXX. On XX/XX/XXXX, I received a notification in the mail from XXXX XXXX XXXX including documents showing Portfolio Associates were garnishing my wages and taking 25 %. I called Portfolio Associates and they told me that they were representing XXXX XXXX on a Judgement from XXXX. I told them I was not aware that the bank was still trying to collect and asked how they could still pursue this after 10 years. The representative told me that they had renewed the Judgement in XXXX and again in XX/XX/XXXX. I emailed Portfolio Associates and their attorneys listed on the paperwork, XXXX XXXX XXXX XXXX, Utah. I sent a letter requesting a settlement and/or installment plan that was more reasonable than the 25 % they were garnishing. I also sent a completed IRS Form XXXX showing my income and assets. I explained I was not aware that they were still pursuing this debt and that I was not contacted before the garnishment to be allowed to work out a payment arrangement. Portfolio Associates responded to my email and told me to contact their attorneys who are XXXX XXXX of XXXX Utah ( XXXX ). I contacted XXXX XXXX and I spoke to their representative XXXX XXXX, Collection Manager XXXX XXXX. I asked XXXX XXXX if he had reviewed my email, and he said yes. He said that they would not accept my offer to settle this. I asked XXXX that if my offer wasn't good enough, tell me what would be workable, he said keeping the garnishment or paying it in full. I explained that I will be without enough money to have housing, and he said they dont care because they are allowed to garnish 25 % had sent me notices. Interestingly, XXXX XXXX continually repeated that they had notified me prior to the garnishment and that is the reason they wont work out a settlement on this account. He had mentioned that they work with the Sherrifs Office in Idaho. I told him my employer is not located in Idaho. XXXX XXXX said, its because You live in Idaho. I said to XXXX XXXX that I havent lived in Idaho for several years. He asked me where I lived, and I told him I live in Washington State. He was completely unaware that I no longer live in Idaho, and he said, I will have to update the file with your address. I never received any prior notifications on this garnishment. It is clear that the attorneys office did not know I was no longer living in Idaho and consequently did not send me notification. The last contact was in XXXX. They sent the garnishment paperwork to my employer, and they did not send it to me. Within 5 months of obtaining permanent employment, this agency decided to garnish my wages and diminish my ability to support my family. I simply dont have the resources for this old debt. I am now XXXX XXXX XXXX, and finding employment is challenging because businesses dont readily hire employees in my age group. At the time this debt was incurred, I had no resources. I was not aware that this debt still existed, and I dont have the ability to pay the entire balance. I offered to pay {$6000.00} by XX/XX/XXXX, if they would agree to remove the garnishment and accept this amount to settle the account. This will take all my savings, but I simply can not afford the garnishment. I also asked that they work with me on a reduced settlement balance and/or a reduced installment plan, they refused. I need help because the garnishment amount is excessive and I was not notified in advance and was not given the opportunity to settle this matter first. The organization did not notify me and revealed that they didn't know where I lived, they only notified my employer. Also, the debt is from XXXX and I was not aware they were still trying to collect. I don't know if the debt is too old for allowing a garnishment either. Any assistance in clearing this matter would be very much appreciated and urgently needed. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX
Company Response:
State: WA
Zip: 98405
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A