Date Received: 2022-04-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have contacted XXXX and provided to them all of the proof that these accounts are not mine.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Portfolio Recovery Accociates says that I owe them {$7100.00}. I believe this debt to be paid off as it was paid in full to the original creditor XXXX Bank long ago and I believe that this attempt to collect said owed debt is time barred, let alone paid off Portfolio Recovery has also soft pulled my credit reports over the last year
Company Response:
State: OH
Zip: 45036
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had no knowledge of this account and did not give permission nor consent to open the account. My personal information was stolen and has been used to open various accounts.
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2020 during the pandemic I started receiving phone calls from Portfolio Recovery using a robotic recording not identifying themselves saying this is a importing legal issue for me to contact the number they gave me which I never called back cause I don't have any legal issues which all calls are coming up private. They continue to call daily private not knowing who it was I answer, they told me is this XXXX XXXX? I asked who is this calling? they told me to give them my Social Security XXXX, address and date of birth. I told them no I don't no who you are and I don't feel comfortable giving out my private information not knowing if you are a scammer. I told them don't call anymore if you are saying I owe a debt which I don't contact me via mail only. I started receiving letters the last week of XXXX in I notice I was getting alerts on my credit report before I was able to send a dispute letter they flagged my credit report on XXXX XXXX 2020. I thought this was a joke cause according to FDCPA collection agency can not report misinformation or correct information until you are giving time to dispute a debt with a validation. they never gave me that chance so I sent a dispute letter asking for all the information I sent you on the attached documents and as you see they never sent validation of the debt and as you see the debt was withdrawn at court which should have been deleted.
Company Response:
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES ( A DEBT COLLECTOR ) IS SAYING I OWE THEM XXXX DOLLARS FOR SOMETHING THE SAY I OWED XXXX XXXX. ACCT # XXXX. I DO NOT OWE THEM ANYTHING, AND DEMAND A VALIDATION LETTER BY MAIL IN A TIMELY FASHION PER THE FAIR CREDIT REPORTING ACT. I AM ON XXXX, SO MY INCOME IS FEDERALLY PROTECTED FROM FRAUDENLANT LEGAL ACTION THAT THIS COMPANY IS TRYING TO PULL.
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I get multiple calls form different number daily about debts that are 3-5 years old. I have blocked multiple numbers daily because they keep calling. I have told them to stop contacting me about these debts. The number l get calls form at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and multiple other numbers as well.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery Associates placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dear CFPB Team, The reason for my complaint is that I have tried to resolve the account for : Original Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Balance was : {$3000.00}. This account was sold to Portfolio Ricovery Associates LLC. This is an old and account and has expired. After I have tried to negotiated with PRA when I have called at XXXX XXXX on XX/XX/2022 at XXXX PM and spoke with PRA XXXX : XXXX XXXX XXXX XXXX my financial situation and that she agreed that will be sending a settlment letter for the amount of {$1100.00} ( Please see a copy ) and that once the payment is received the account will be delete it from all credit reports. I have waited this letter before sending any payment and received around XX/XX/2022. I have proceed to send the PLS Check settlemnet payment for {$1100.00} before XX/XX/2022 via Certify Mail tracking # XXXX. I was tracking this mail daily and this mail was received at XXXX VA Postal Office on XX/XX/2022 and ready for delivery on same day. But for some reasons it did changed and stayed as of today as '' arriving late ''. After a few days same week, I have checked again on the XXXX for the Certify Mail tracking # XXXX for status and remains the same. Return Receipt # XXXX. As of today this tracking history still reflecting " arriving late '' but did not updated the status that this mail in fact was received by the destination PRA. I have sent PRA an email explaining that I have sent the payment but USPS tracking # reflects there was a delay. . After investigating with PLS Check Cashing for status of check, for my surprise, I have find out that the check was cashed by Portofolio Recovery Associates on XX/XX/2022 ( please see copy with stamp ) which indicating that they actually have received the payment but for some reasons was not reflecting on the USPS Tracking site. I have sent another email and letting them know that in fact PRA received the settlement payment as agreed, they sent me another email requesting last four digit of social including some type of email agreement not to disclose the emails which I never confirm. After sending the email again with all finding including my last four of SS for them " to verify the account '' no response as of today. I have also investigate the USPS Postal Office at XXXX VA and deny they have received the Certify Mail. This account has been settled with agrement including the deletion of this account over the phone. And a confirmation for settlement was received via mail from PRA. I want to request a deep investigation for violations to Portfolio Recovery Associates incuding the Postal Office at XXXX VA in how PRA was able to obtain the payment and cashed the settlement check without the Certified Mail signature confirmation. I want to report this to FTC Complaint for an investigation. Also, I have checked my XXXX and all credit reports and does reflect a remaining balance to PRA that should be in fact settled, closed and deleted per our conversation with MRs. Mezza. I have proof of all conversation when XXXX XXXX not only mention about a settlement of {$1100.00} but will delete this account once the payment was received. They gaved me until XX/XX/2022. I have also a have a witness as I have speaker phone when I have start speaking with XXXX XXXX. In addtion, XXXX XXXX XXXX changed and signed a legislation for the statute of limitation in the state of NY from six years to three years starting XX/XX/2022. This account is already been expire which should be removed from all my credit reports. I am also aware that debt collectors like PRA buy by pennies per dollars old debts and trying to collect in full balance, when they are not the original creditor. I am aware that PRA did not bought this debtf for the same amount as the original creditors.. They buy debts by pennies for a dollar. Then run behing people asking for the full amount. This is how they make a big profit under the burden of the consumer misery. I am trying to get up on my feets but if this continue and unable to solve this accounts, I have no more choice but considering XXXX. I feel the pressure of filing Bankruptcy will be best option for all this burden. Please see all communication, letters, proof of payment, tracking numbers, proof of a balance in XXXX XXXX reports, for your review. Please note : some of the PRA emails I have trouble to print out specially the first one as this emails was protected from PRA preventing me to print apropiertly. I feel cheated and disappointed.
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery Associates placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report. XXXX
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery Associates are in violation of the Early Warning Clause. Portfolio Recovery Associates has to delete account off my XXXX, XXXX and XXXX credit reports.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A