Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX XXXX, there was {$450.00} balance reported from XXXX XXXX. Called XXXX XXXX and notified them this not my balance and someone opened this account using my name. No resolution. I need this balance taken off immediately because I have never used or notified of the collection by XXXX XXXX.
Company Response:
State: TX
Zip: 77081
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX company never sent information to verify debt
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is a follow-up to Complaint ID # XXXX with Portfolio Recovery Associates , LLC XXXX In today 's mail ( XX/XX/22 ) I received XXXX letters. They pertain to the accounts ending in XXXX and XXXX. Two of the letters state, " In our previous letter to you ( What " previous '' letter are they referencing? ) we requested that 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. Since we have not received this information we are terminating the disputes investigation pertaining to this account. '' So, once again XXXX is being manipulative and making false statements. I have already emailed them to the email address provided to me by the representative that I spoke to with the screenshots, with the information on the letter received from XXXX XXXX and with screenshots of chat conversations. In addition, those same screenshots were attached to the original complaint filed above. They also have the recorded conversation had with their representative, as they advised me that it was recorded on their end. In addition, the amounts on the letters acknowledge NO settlement now. They also have record of the chat conversations and the multiple screenshots I sent of the settlement balance in my account before they inflated it. In addition, this morning they again removed the account XXXX from online access so it could not be paid. Once again, the resolution to this is to simply honor the settlement amounts agreed to, which is {$440.00} for the account ending in XXXX and {$410.00} for the account ending in XXXX and I will pay them as soon as the accounts are again made accessible. The extremes to which XXXX is going through to make making payments as difficult as possible is absurd and stressful.
Company Response:
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On this date XX/XX/2021 PORTFOLIO RECOVERY ASSOCIATES opened a collection. Account # xxxxxxxxxxxxxxxx XXXX {$410.00} that i owe I have never signed any written document saying that i owe this debt to the collector. They are violating my rights the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that i owe this debt to this alleged company. Please have this account removed from all three credit bureus.
Company Response:
State: NJ
Zip: 07508
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A letter demanding proof of an alleged debt owed to XXXX XXXX ( account Number XXXX ) was submitted to Portfolio Recovery on, or about, XX/XX/XXXX. I later received a generic response indicating that the alleged debt had been " verified '' and was being reported to XXXX. Portfolio Recovery reports that this account was opened on XX/XX/XXXX. In fact, Portfolio Recovery is attempting to collect a debt that has long since passed the statute of limitations for collections- that being 7 years. Portfolio Recovery did not provide proof of the debt, nor did it provide payment or account histories, as requested. Portfolio Recovery does, however, continue to inaccurately and illegally report this " zombie '' debt as a " fresh '' debt.
Company Response:
State: AR
Zip: 72023
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have not used my XXXX account since XXXX. I settled with XXXX and they sold the account to portfolio recovery in XXXX of XXXX. Ive disputed it and they keep sending bills and calling for portfolio recovery. I made one payment to them because I thought was medical bill. How can I remove it from credit report and get them to leave me alone?
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I contacted the company and asked them to remove the collection from my credit report due to the 7 year legal limit on debt collection in my state. The account has missing information ; including the account status showing as neither open nor closed. This debt should no longer appear on my credit report, creditor refused to remove it.
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account has been paid. Portfolio Recovery Associate promised to delete this tradeline from my credit report, not just update as paid. Please DELETE, as promised.
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Caller on XX/XX/2022 @ XXXX XXXX XXXX indicated they were calling from a debit collector. The number the company was calling is utilized for business and is accessible outside of the party they are attempting to contact. This violates said party 's rights by establishing this individual has a debt and others are contacting them to collect on it.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A