Date Received: 2022-04-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Got a card from XXXX XXXX and was approved for {$300.00}. Made a transaction and paid for it XXXX and tried to get approved for {$500.00} and was denied. XXXX XXXX closed my account XXXX and said I owed about {$900.00} and tried to collect on a debt paid. I just got a bill 2 week 's ago and they reopened a XXXX XXXX XXXX debt on my credit report with an attempt to collect money not owed.
Company Response:
State: NE
Zip: 68005
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported Portfolio Recovery balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle XXXX XXXX XXXX balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi, to whom it may concern. Portfolio Recovery has caused my credit files and scores to be drastically damaged, reduced, and affected by placing a debt that I do not owe and that is not mine. Account # XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Company : Portfolio Recovery Associates , LLC XXXX. XXXX po box XXXX XXXX, CA XXXX Account # Same as above. Reference Number : XXXX XXXX My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX I have never until XXXX of XXXX had a XXXX XXXX Credit Card Account. I was sent an offer and I applied and received a card. However, I this company keeps trying to place this debt on me, as I have explained to them and XXXX XXXX, that this account isn't mine and I have never owned a XXXX XXXX XXXX untill recently XX/XX/XXXX, because I was sent a pre approval offer from XXXX XXXX to which I was approved. Back in XXXX I lost my wallet and it was never returned to me. I have explained to Portfolio Recovery that I may have been a victim of identity theft, and that may be why there's an account with XXXX XXXX. Whoever did this, had all of my personal information from my wallet, from my ID, my Social Security Card, My Birthdate, My Address, and other info like Medical cards and Bank Cards. At the time this happened, I was forced to get all new info cards, and change passwords etc. This company was told this information, although whomever opened this account, they had all of my info, I never had an account with XXXX XXXX. They insist that it's mine with no proof that it's mine other than all of my personal info. I have never signed a single document applying for this card, yet this company has repeatedly reported as a collection to all of the major credit bureaus, destroying my credit and making my scores drop unbelievably low, all while I have been trying to buy a new home. I This has affected me directly because this isn't my account, yet they keep reporting that it is even after disputing this a few times with no removal from Portfolio Recovery. I was told by them, that XXXX XXXX Discharged this debt and Portfolio Recovery bought it on XX/XX/XXXX. First XXXX XXXX kept reporting this account that wasn't mine, then Portfolio Recovery started. This isn't right. It's not my account at all. Why do they keep reporting something that's not mine? I need to know WHAT MY RIGHTS ARE under the law, and if they have violated my Civil Rights by maliciously continuing to report this account on my credit to the agencies. I live on a fixed income because I am on XXXX. XXXX due to XXXX XXXX. I'm tired of being a victim of people like this, who only care about making a dollar, or profit, even tho'they know this isn't my account. Please help me bring an end to this nightmare as I am trying to buy a home, through a program that helps buyers with XXXX. Thank You. XXXX
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The company is Portfolio Recovery. Calls every day 3 to 4x times daily. I have blocked them but they still keep calling. Sometimes with different number.
Company Response:
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
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 : XXXXXXXX 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 XXXX when I have called at XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX : XXXX XXXX XXXX about 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/XXXX. I have proceed to send a XXXX Check settlemnet payment for {$1100.00} before XX/XX/XXXX via Certify Mail tracking # XXXX. I was tracking this mail daily and this mail was received at XXXX VA XXXX XXXX on XX/XX/XXXX. But for some reasons it did changed and stayed as of today as '' arriving late ''. After a few days I checked again the Certify Mail tracking # XXXX for status and remains the same. Return Receipt # XXXX I have sent XXXX an email explaining that I have sent the payment but USPS tracking # reflects there was a delay. After investigating with XXXX Check Cashing for status of check, for my surprise, the check was cashed by Portofolio Recovery Associates on XX/XX/XXXX ( 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. After I have sent another email and letting them know that in fact XXXX 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. 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 XXXX. Wether the Postal Office in XXXX VA assist XXXX to hide this information I want to request a deep investigation for violations to the XXXX XXXX at XXXX VA including how XXXX was able to 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 XXXX XXXX I have recorded all conversation in case they deny this as I have proof. 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 XXXX years to XXXX years starting XX/XX/XXXX. 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 by harrasing the consumer, when they are not the original creditor. I am also requesting the deletion for PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX XXXX XXXX {$3300.00} Account number XXXX. This account should be DELETE it as well from all credit reports as this account has been expired. Last payment was XX/XX/XXXX. But account was around XXXX. In addtion that the original creditor : XXXX BANK XXXX XXXX XXXX {$3300.00} Account number : XXXX this account is no longer reflecting in my credit reports. Therefore, the PRA should be delete for an account that does not exist! I am aware that XXXX did not bought this debtf or 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 delete this accounts, I feel the pressure of 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 email I have trouble to print specially the first XXXX as this emails was protected from XXXX preventing me to print apropiertly. I feel cheated and disappointed
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is my third complaint of Portfolio Recovery Associates , LLC. I again today received three more letters in the mail from them, claiming falsehoods. Falsehood # 1 : First, they sent a letter for the account ending in XXXX showing a balance due of {$4100.00} ( received today, XX/XX/2022 ) but they know this account is paid in full. I paid it over the phone, on a recorded phone call, to a PRA manager on XX/XX/2022. On XX/XX/2022 they emailed me a letter confirming " Your current balance on this account is {$0.00}. Please retain this letter as proof your account has been settled. '' Falsehood # 2 : They sent a letter ( received today, XX/XX/2022 ) regarding the account ending in XXXX and showing a balance due of {$1200.00}, stating " we requested you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the " alleged '' dispute. To date, we have not received this information and can not complete the investigation. '' As a reminder, my proof was emailed to them on XX/XX/2022 at XXXX XXXX XXXX This proof was a screenshot of the settlement offered on the account in the amount of {$440.00}. As I'm sure CFPB and other consumer protection agencies are aware, this is a bait and switch tactic and when you call to inquire about the account the settlement amount is suddenly double or there is no settlement at all. As an example of the games they are playing with the account after each time I've corresponded with them, these are some of the ever changing amounts that have been on the account. ( I have screenshots of all of them. ) XX/XX/XXXX - {$440.00} XX/XX/XXXX - {$560.00} XX/XX/XXXX - {$440.00} XX/XX/XXXX - {$620.00} XX/XX/XXXX - {$990.00} XX/XX/XXXX - {$1200.00} The initial amount is a bait and when you call, chat or email them to discuss it, they are " not permitted '' to discuss the account, or the chat representative can only offer a settlement double of what I am literally looking at on the screen for a lesser settlement amount ( screenshots of this were also sent to PRA ) or tell me that I have to " mail my concerns '' to their Virginia address. Until I filed this complaint, I either emailed, phoned, or chatted with PRA every single day since XX/XX/XXXX, only to be met with resistance, rudeness, the runaround, or illogical figures. Falsehood # 3 The third letter received today ( XX/XX/2022 ) says the same as in Falsehood # 2 above " they requested information, I didn't provide it, etc. '' Of course, they know this is not true. ( It's very strange to even write this as a defense given that I have provided them with emails, screenshots, recorded phone calls and mailed letters that can obviously and easily be presented ) but they have the letter from XXXX XXXX for the account ending in XXXX with a settlement amount of {$410.00} on it. When I called about this, the amount had " expired '' and was over {$800.00}. XXXX XXXX said they couldn't do anything about it and had to call PRA, and PRA said they couldn't do anything about it because it's with their " legal '' firm. This is costing me time out of my workday and is causing a tremendous amount of undo stress. I'm not going to continue to participate in the bait-and-switch settlement tactics nor their refusal to communicate with me in a professional and ethical manner. These template statement letters do nothing to help the situation. Also, the accounts are still removed from online access. To send multiple letters stating I haven't provided them with information is ludicrous, as they have literally been inundated with non-stop contact from me and they have in writing my statement that I AM TRYING TO PAY THESE ACCOUNTS and they also have the recorded phone conversation with their representative. If they would like to honor their agreement that is still only days old and add the accounts so I can pay those amounts, then I will pay them and this whole thing can be resolved. If they don't want to pay or communicate me, then they are showing no good faith in any valid attempt to resolve the issue and are continuing to perpetuate their bad name. I have a plethora of evidence to show all of this is true, so hope that this is the final step of having to deal with this and they can do the right thing.
Company Response:
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
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: credit bureaus allowed an incorrect account to be REplaced back onto my credit profile. They allowed the company that was found to be inaccurate and was removed, now they have allowed the same inaccurate account to be replaced on my credit report from a so called " sold account '' to a different collection company. The item was found to be inaccurate and was removed. The new collection company, NEVER sent me any correspondence. They simply placed an inaccurate account on my profile without reaching me with mailed correspondence.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation gatherer hasn't given confirmation that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient verification and a duplicate of a printout bill isn't confirmation this is influencing my capacity to get another home. I don't have the foggiest idea why I'm being dealt with this way.
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A