Date Received: 2022-04-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: To the CFPB I lost my income in XXXX since then I never regain any employment at all. in that situation, I could not afford to pay all my credit card bills we only rely on my husband XXXX XXXXXXXX payment. that's why I decided to enroll in the debt settlement program the problem is, I was scammed by the agency and did not settle all the debt. one credit card was left behind never settle at all. and the problem I don't have money to pay them, this is the only money left in the Bank. my savings account is {$0.00}, my checking is only {$24.00} the most painful and stressor is the collection agency that added up to our problem is Portfolio Recovery Associates LLC and XXXX XXXX. that's why I want to file a complaint against XXXX XXXX and Portfolio Recovery Associates llc for their joint effort of Harassment and continued collection and illegal activity. XXXX XXXX and portfolio recovery keep sending collection letter and some with harassment to file a lawsuit and adding to our stress and anxiety and even phone calls I will be exposing their phone numbers they are using to call our cell phone every time they call I saved the numbers to our phone that's why I have it and its verified by me by calling them back I will be attaching all the collection letter that they sent me and also here are some telephone numbers they used to call our phone # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX all this number called my cell phone and the CFPB can verify its accuracy. Please kindly solve this matter thank you
Company Response:
State: NV
Zip: 89139
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: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: In response to complaint # XXXX. My name is XXXX XXXX, a federally protected consumer, and I am making this second complaint against Portfolio Recovery Associates , LLC for violating a cease and desist notice they received on XX/XX/XXXX, and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a cease and desist notice, a debt validation, Exhibit A, which is a copy of inaccurate information/late payment on this account reporting to my consumer report, Exhibit B, which is a copy of this same account reporting more inaccurate information, as to being in collections housing XXXX ( XXXX ) different account numbers, reporting on my consumer report. Exhibit C, which is what Portfolio Recovery Services, LLC considers as lawful & sufficient validation of this alleged debt, and a pdf of a FTC report that will be labeled as Exhibit D, when filing for litigation in Federal Court to this complaint. In accordance with the FCRA, everything has to be 100 % accurate on my consumer report. Portfolio Recovery Associates , LLC stated " Per federal law, their company verified and confirmed that I was notified of the purchase of this alleged debt and provided notices ''. " Federal Law '' also states, that any alleged debt has to be lawfully validated prior to furnishing to consumer reporting agencies, and with the consumers written instructions. I have not validated any alleged debt with Portfolio Recovery Services, LLC and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. How can this be alleged debt be validated/verified with so many inconsistencies/inaccurate furnishings on my consumer report? Portfolio Recovery Associates , LLC also stated that they are a debt buyer. But according to 15 USC 1692e ( 12 ), it is false representation or implication that accounts be turned over to innocent purchasers for value. Portfolio Recovery Services, LLC stated that they attached documentation /notice of verification as to informing me of the purchase of this alleged debt. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates any right to collect on this alleged debt. It is my belief that Portfolio Recovery Services, LLC is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. Lastly, Portfolio Recovery Services also stated that the time of purchase was verified on XX/XX/XXXX and that they sent initial notification on XX/XX/XXXX. I have never received any documentation requesting validation from Portfolio Recovery Services before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If Portfolio Recovery Services can not provide me with proof such as a tracking number that they attempted to lawfully validate and collect on this allege debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring XXXX to me and my financial reputation.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a credit alerted in XX/XX/XXXX from XXXX that Portfolio Recovery added a collections to my account for {$1200.00}. I have no idea what it could be for and feel it's related to the time my Identity was stolen. I have frozen my credit file before in the past to avoid fraud after several accounts where open in my name. I contacted the collection company in question and was told that the account was originally opened with XXXX Bank in XXXX but purchased by Portfolio Recovery.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Portfolio Recovery Associates Account : XXXX Amount : {XXXX} In accordance with the Fair Credit Reporting Act Portfolio Recovery Associates Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A - States I have the right to privacy. 15 U.S, C. 1681 Section 604A Section 2 : It also states a consumer-reporting agency can not furnish a account without my written instructions.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The first date of delinquency reported by the original creditor was XX/XX/16. Portfolio recovery illegally re-aged this outdated debt damaging my credit {$410.00}
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Company falsely reset debt time clock. Company claims my recent account activity was XX/XX/2022 and that is false. I have never interacted or communicated with this company in any way.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: After examining my credit report, Portfolio Recovery was marked as a delinquent account. I sent a certified letter asking for verification of debt. The letter was delivered and signed on XX/XX/22. After the letter was signed I continued to receive phone calls. I have not answered the phone, and they will not leave a message. Caller ID is showing PORTFOLIORECOV XXXX
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery ( org XXXX XXXX XX/XX/2017, {$670.00},
Company Response:
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
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: I consumer XXXX, am submitting a complaint against company Portfolio Recovery for violation of federal law 15 USC 1692g repeatedly. I requested a validation of debt and cease and desist all communications in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time they responded they only provided 1 and 2 of the 5 requirements of the law. The company may be able to claim that have the right to receive payment of the balance but they absolutely have no right to report such negative items on my consumer reports. I never gave them written consent to report anything on my consumer reports. Also, by continuing to report these negative remarks on my consumer reports they are violating my request for cease and desist by indirectly communicating these alleged accounts on my consumer report. I am requesting that the company Portfolio Recover immediately delete such reporting off my consumer reports. Below it clearly states what the laws says is required to properly validate an alleged debt. ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. I belief that Portfolio Recovery did NOT do a proper investigation. If they did, all 3 credit bureaus would be reporting the same Date Last Active. XXXX reports XXXX XXXX. reports XXXX XXXX. reports XXXX I have disputed this account with portfolio recovery for over a year now. This is unacceptable.
Company Response:
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A