Date Received: 2022-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This credit card debt was discharged in a XXXX XXXX Bankruptcy and was successfully discharged in that Bankruptcy. I used an attorney at the time to handle everything, and we confirmed at the time everything was included and discharged, and that nothing was forgotten. This was a major debt of the bankruptcy, so obviously it was included. You can tell by the AGE/DATE of the debt, and the DATE of the XXXX XXXX Bankruptcy filing that it was OBVIOUSLY included in the Bankruptcy, but they keep fighting for it telling the Credit Bureaus that it is a valid debt when it isn't. It was part of the driving force to achieve this debt relief when the decision was made to file the bankruptcy. DATES DON'T LIE.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio Recovery XXXX. Reporting Opened XXXX. Account was charged off By XXXX XXXX XX/XX/XXXX. Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting. I called Dispute department at Portfolio on recorded line. Told he the issue. She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt. She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong. Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job. Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Spoke to a representative for POrtfolio recovery, they are not able to provide me with any validation saying I owe them {$1200.00} I Have not received any previous mail from them., nor am i aware of what this debt consist of. I also asked for them to remove this from my credit report until further information is provided to me to validate, and they informed me they are not able to assure they can do this, making it a violation on my consumer rights.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a call about a year ago from this company called Portfolio Recovery asking for someone NOT ME!!!. I said to the gentleman " I am not that person " to this day every day without fail I still receive a phone calls everyday from this company. I try to ignore them and report them as spam but they still call under a different area code and different number but the same name Portfolio Recovery. I do not owe anyone a dime in my life. I pay off my credit cards every end of the month in full payment. I pay all my bills. I have a credit score of XXXX and I have never had ask anyone for money Thanks be to XXXX. Anyway, I have told these people on more than one occasion that I am not the person they are looking for and they still continue to harass me. Please make it STOP. Thank you, Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery has listed a debt on my list of creditors that I wasn't notified about through any form of communication. I was not afforded the opportunity to dispute unverified debt they purchased from XXXX XXXX XXXX division.
Company Response:
State: AL
Zip: 35235
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC, for committing identity theft. I have never given Portfolio Recovery Associates , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged 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 harm to me and my financial reputation. I have not validated any alleged debt with Portfolio Recovery Associates , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio Recovery Associates. Reporting Opened XXXX. Account was charged off By XXXX XXXX XX/XX/XXXX. Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting. I called Dispute department at Portfolio on recorded line. Told he the issue. She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt. She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong. Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job. Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have filed multiple complaint against company Portfolio Recovery in the past few months. The first was a request to validate three alleged debts they are claiming I owe. Pursuant to 15 USC 1692G, Portfolio has to provide 5 parts when a consumer request a validation. The company only satisfied only two of those requirements. Second, I sent the company a letter asking them to delete these inaccurate, fraudulent and frivolous negative items off of my consumer reports because they are all canceled debts that was reported to IRS, these charge offs reporting on my consumer reports are illegal. The company is in violation of the many law under the FDCPA. This company knows that they are in violation but continues to break the law. Something has to be done to protect consumers from vicious collection agencies like Portfolio Recovery. They are ruining consumers lives in their way of practice. This company has not provide all that is required as per the law to validate these alleged debts, they are committing tax fraud for trying to collect for canceled debts, they are did not respect my cease and desist request by continuing to report these alleged debts on my consumer reports.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a reopened dispute with PRA. The company continues to assert that they mailed me information that I never received. The company does not acknowledge the debt as identity theft. It is. I am a victim of identity theft, both in XXXX, when I first saw the theft on a credit report trying to refinance to pay off the divorce settlement. I tried contacting XXXX car care 's fraud department, the company that had the identity theft line of credit. Each time, the company refused to acknowledge that my reporting the theft means exactly that ... that it is indeed theft. I paid a credit clearing company to clear the debt, from my credit reports, since XXXX XXXX refused to cooperate. I was not aware that they sold the identity theft account to PRA until XX/XX/XXXX. I discovered PRA when I opened my credit reports to run my credit to refinance and pay off my loan per divorce decree. PRA, in previous response through this portal, acknowledge receipt of my claim. The response stated was that the dispute would be looked into and I would be notified of the results. Instead, the dispute department posted a negative remark on all 3 credit reports. This is against the law and unlawful to do during a dispute. All negative marks need to be removed from all 3 credit reporting agencies. I request all original signed documents applying for this credit card by XXXX XXXX, that your company has in its possession form my records and police report file.
Company Response:
State: CA
Zip: 91709
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: 2022-03-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Sent payment to the original collection company to settle the debt and have it removed from my credit report. I never received any update of the status of the account or my right to dispute the debt. I received a letter in the mail from portfolio recovery saying that I now owed portfolio Recovery. When I called portfolio and explained that I wanted validation of ownership of the account because it was to my knowledge owned by XXXX XXXX and didn't appear on my credit report, they then said they would start reporting the negative items to damage it until it was paid. I feel like I was taken advantage of and my rights as a consumer were violated and that they took predatory action wich damaged my ability to get loans and other forms of credit
Company Response:
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A