Date Received: 2022-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive asked numerous times for them to furnish proof of this debt all they are sending me as a statement a statement means nothing anyone can open an account and charge on it which would create a statement I need to know how the account was opened where the account was opened if I opened online I need the IP address of how the account was opened I need physical proof that this account is mine Ive tried to settle this account numerous times it is a six-year-old account that they purchase from XXXX XXXX they are refusing to settle the account for anything less than half Ive offered {$50.00} to get it off my credit report if this situation is not removed from my credit report I will be left with no other option but to seek legal counsel
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Portfolio recovery falsely updated a very old account. Constantly harassed me with false lawsuits. Have failed to respond to dispute within the 30 days timeframe. This account was ilegaly sold to a third party.
Company Response:
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete
Company Response:
State: OH
Zip: 45014
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Calling everyday at around XXXX XXXX when in bed, and always with a different number
Company Response:
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is the second time I've written to Portfolio Recovery Assoc!! I first reached out to this debt collector company XX/XX/2022 they never ever wrote me about this so called debt before. I recently sent another certified mail XX/XX/2022 this is when I received numerous outdated paperwork to show as if they've been trying to reach out to me about this debt that is not mines!!! I've asked on two separate occasions to verify this debt they are claiming I owe with original signature on file not showing me the amount of the debt that I so called owed, they refused to acknowledge my request as you will see The documents I will upload again I'm requesting validation not verification of this so called debt! I only received this outdated letter because I open a report with the CFPB. THEY EVEN ADDRESS THE LETTER WITH THE CASE #!
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Debt was paid but still shows up on credit report unnecessarily. Please help.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was open fraudulently by someone other than myself.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have received numerous calls from portfolio recovery pretending to be a XXXX XXXX employee. They also threatens to send someone to my location of work after an answer has been sent to the courts. I do not agree with the among the of debt and have been sent a validation with charges, signatures or original creditor. I could dispute these actions if so. I have voicemails of the person pretending to be a courier and threatening to come to my job. also sent my answer in to the court. Theyre is also an individual that calls from a number very similar stating the court needs a statement. Dates sent in court answer was XX/XX/2022. Debt validation has not been received. Receiver more calls in XXXX with proof after the court date has been set. In XXXX received three calls back to back and they denied to tell me who they were and she stated she doubts I have a lawyer when I told her she was harassing me and calling so much after she wouldnt give any information. I have proof of all the calls and voicemails. They also have called a family member. And prior have my information without my consent because I received mail from Lawyers that wanted to represent me. I didnt give anyone the consent to sell my information to a third-party. Thank you for your time. Warm regards
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? furthermore PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( XXXX ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Portfolio Recovery Associates is in violation of 15 USC 1692c ( c ). I sent them out a letter stating that I want them to CEASE AND DESIST all communications with me through all mediums. I called three times and it was confirmed by three employees of PRA stating, that they put that letter in the system XX/XX/2022. So they are well aware of my cease and desist letter. I spoke to a young man name XXXX, identification # XXXX ON XX/XX/2022 at XXXX am. I asked him if he was on a recorded call and he said yes. I asked him why do portfolio recovery continue to contact me knowingly that they are violating the FDCPA. He didn't have an answer for me. I let him know that I have enough evidence to file a civil suit or further against them. I will be moving forward with that. The evidence that I uploaded shows the date that they sent me that letter which it states XX/XX/2022. They knew they were not supposed to contact me.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A