Date Received: 2022-03-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Portfolio Recovery is reporting an incorrect, inaccurate debt on my XXXX Credit Report and other credit reporting agencies. Portfolio has re-aged the debt they say I owe to them. I have never had any agreements or done any business with Portfolio Recovery. This company has not validated their relationship with me in connection to the debt they say I owe. When asked, Portfolio Recovery has not provided any written contracts providing them permission or right to collect a debt from me. I have contacted this creditor and requested validation of this information. They can not or refused to show me the date of first delinquency associated with this account. They have not provided any information on how they calculated amounts they say I owe to this date. They are reporting this account as open and active with late and past due payment due each month. I have contacted XXXX and reported this debt as invalid. XXXX responds that debt is verified with no underlined proof of how they verified this debt. Both Portfolio and XXXX refuse to delete the inaccurate and incomplete information. I have been disputing this for months with no success.
Company Response:
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Portfolio Recovery contacted my mother on XX/XX/22 at XXXX pm. They told her they were a debt collector looking to obtain information regarding a debt and said they were looking for me. They also contacted my previous employer 3 times, 2 times after they had been asked not to.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account being reported twice on the credit report
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery keeps calling every day through different phone numbers repeatedly it is very annoying.
Company Response:
State: IN
Zip: 46312
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This debt with portfolio recovery associates is well past the 8 year collection mark. It is no longer in collections or listed in credit reports. I recently paid off another card account, since that time whej they received my cantact info they have started calling day and night multiple times per day from random numbers so they cant be blocked, and mailing letters stating I owe XXXX. I have asked them to stop with no resolve. I am now reviewing legal action and options for myself.
Company Response:
State: OK
Zip: 749XX
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit act.the following accounts have violated my nrights. 1 ) portfolio rtecovery assoc account # XXXX XXXX ) XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy. 15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions. 15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I receive at least 3 calls from this company daily, including weekends. Years ago I signed up for this service. I was assigned to someone and sent them all the paperwork requested. The next month someone else called me saying the previous person had left the company and asked me to again resubmit all the paperwork I had submitted the month before. The next month the exact same thing happened and, you guessed it, the 4th month the same thing. Nothing was EVER done to improve my credit and after 4 months of paying for a service they never supplied, I cancelled my contract with them. When I answer I tell the caller they dont have my permission to record me, which usually confuses them and they continue to record our conversation, and I have to explain to them ( which they should already know ), that in California they need my permission and Im not giving it. One man said hed make a note, which obviously didnt happen, and they hang up. However, they have continued to call me from every state ( at least thats what the caller I.D . says ) everyday and they refuse to stop. Im never using them again. I owe them nothing because they breached the contract. And yet, they continue to harass me. Any help to make this stop is greatly appreciated, since nothing I have done has stopped them.
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I have reached out to the debt collector and their lawyers. Nobody can give me information. I have not received written communication about this debt only communication is whats on my credit report. Please verify the debt because this false accusation are violating my consumer rights!
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery solutions has bought and sold an XXXX XXXXXXXX credit card debt that I received after XXXX over XXXX years ago. They call several times a day and switch their numbers.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RE : XXXX Bank account # XXXX. * I am in receipt of a DEBT STATEMENT, dated XX/XX/2022, and am responding accordingly. I choose to respond point for point to what I allege is in fact, an initial invitation to contract with PORTFOLIO RECOVERY ASSOCIATES , LLC. This company utilized the United States Postal Service in regards to the " payment '' of an alleged debt which is a violation of 15 USC 1692 a ), ( d ), ( e ) This communication is to further inform PORTFOLIO RECOVERY ASSOCIATES, LLC/XXXX that I deem you a debt collector, subject to the Fair Debt Collection Practices Act, under 15 U.S.C.1692a ( 2 ), ( 5 ) This CFPB COMPLAINT shall serve as my formal notification that I am in good faith requesting DEBT VALIDATION, not account verification NOR copies of the DEBT STATEMENT. I have noted the following deficiencies in the DEBT STATEMENT. 1. Failure to provide any documentation in regards to but not limited to tradelines, security ; guarantee agreements, tax forms, insurance notes, bonds or any other record that will prove in addition to a written declaration by a live witness with first hand knowledge of the origin of this alleged debt. 1a ) A Financial instrument in the form of a remittance in conjunction with a bank identification number ( XXXX ) has been officially furnished and delivered to me on the witness account of the United States Postal Services. This fraudulent bank account has been accruing interest and benefiting another [ PORTFOLIO RECOVEY ASSOCIATES, LLC ] AND not the true beneficiary. Furthermore this dividend has been disguised as an EXTORTION DEMAND in the form of a DEBT STATEMENT, subject to fines and imprisonment pursuant to Title 18 USC, chapter 31 CRIMINAL PENALTIES FOR EXTORTION AND EMBEZZLEMENT. XXXX. Failure to provide any documentation or proof in the initial communication received, as to who purchased ANY LOANS under ANY note bearing my name and personal identifying information. Therefore, I am disputing the entire balance claimed in the DEBT STATEMENT and further demand that PORTFOLIO RECOVERY ASSOCIATES , LLC. provide me with the following : ( a. ) Proof of all indebtedness, including copies of any alleged loan paperwork in your possession, on which you base your alleged claim of default ; ( b. ) Proof of the entire chain of custody of any promissory note claimed to be collected for, including but not limited to, copies of any guarantee, security agreements, contracts for the alleged debt contained within the initial communication ; ( c. ) A full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other used to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( d. ) If this loan was securitized, along with ANY other loans, please provide the name of the trust and location of its trustee, including the full contact information and telephone number ; ( f. ) Provide the exact location of the purported loan documents, autographed by me with wet ink, and any and all FULL MATERIAL DISCLOSURES of how this DEFAULT LOAN/DEBT came into existence. ( g. ) Provide any and all copies of any and all loan documents, tax forms, balance sheets and any documents in any type of medium such as but not limited to electronic records and tangible forms you have in your possession, bearing my legitimate autograph. Be further advised that I am not limiting or waiving any rights or remedies I may now or hereafter have, whether arising under your purported loan documents at law or in equity, all of which rights and remedies I am expressly reserving. I would also like to request, in writing, since I can not take your telephone calls into court, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to my place of dwelling shown in this letter by the United States Postal Service as a witness.
Company Response:
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A