Date Received: 2022-03-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I reached out to the collection company, Portfolio Recovery, in XXXX to obtain information about the debt and contest it because dates and charges did not make sense to me. Instead of removing suspicious charges ALL MADE BEFORE XXXX they falsified reporting on the debt to reflect that it was opened in XXXX so that it would stay on my record longer. This is 100 % a lie. This debt is at least XXXX XXXX XXXX and should soon be falling off my record soon but wont because of falsified reporting done by Portfolio Recovery. I never admitted to ownership of the debt or talked about repayment when I contacted them in XXXX so the debt should not have been restarted at that time.
Company Response:
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: From the XX/XX/2021, I received repeated phone calls from Portfolio Recovery on a debt that was a result of identity fraud. I've sent the police report explaining the situation and have still received calls. I asked for proper documentation, they sent me a blank statement that does not show when I opened the account, what it was used for or anything! The last representative I talked with told me, well its obviously not fraud, its in our favor so you need to pay this. I asked this company not to call me and they repeatedly call from different numbers trying to scam me out of a fraudulent account!
Company Response:
State: CA
Zip: 95688
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed a complaint with this agency against portfolio recovery. They inaccurately reported that I owe them {$410.00} to all bureaus. I asked portfolio recovery to verify the debt with the original signed application and the statements showing where the balance came from. The only thing they sent me was a copy of a letter that the debt was sold to portfolio from cXXXX XXXX. THEY ARE REFUSING TO VERIFY THE DEBT. I live in an apartment building with multiple families, unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this negative account. also they have my name on the account as XXXX XXXX but my name is XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
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 ( XXXX ) adding additional amounts.
Company Response:
State: NC
Zip: 27260
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I started disputing the Portfolio Recovery account listed on my credit report in the amount of {$2300.00} since XX/XX/2021. I have sent numerous correspondence asking for the ORIGINAL signed document which states I owe them and that I agreed to pay them. Each time Portfolio responded by sending a computer generated unsigned letter that states they own the account and a bill statement. I also sent them a letter stating that they violated GLBA Sec 6802 ( a ) ( b ) ( c ) ( d ) and Sec 6803 they responded back by sending another bill statement. I have attached a copy of the last letter I mailed to Portfolio Recovery.
Company Response:
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Daily calls, often twice in a row. I have dates and times if needed. All calls coming from different numbers in different states, not stating who they are. Long calls that I often have to decline so they stop ringing after 2 minutes. Often after a missed call, they immediately call back. No voice-mail to state who they are or who they are reaching. Just constant calls multiple times a day every single day, even on weekends. I receive hundreds of calls from them. I have never recieved paper in the mail from them stating their intent.
Company Response:
State: ID
Zip: 83687
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I spoke with the company, we settled for {$370.00}. They sent me a settlement letter on the same day that I paid them, which was on XX/XX/XXXX, I went to dispute the account on my credit report, when they were contacted by them, they lied and told them that I owed them {$100.00}. I spoke to them twice about this. The first rep I spoke to told me that this would be removed on XX/XX/XXXX. And the second rep ( who is supposed to be a supervisor ) told me that they gave the credit bureau the save amount and it should be removed in 30 days. They are giving me conflicting information. The name of this company is Portfolio Recovery Associates LLC. I originated this report bc I feel that I am being jerked around by them, and each rep gives me different answers or reasons.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: - XXXX XXXX XXXX XXXX XXXX XXXX closed the account XXXX Portfolio Recovery Associates reported the debt as a new collection- I never entered into a signed agreement with Portfolio Recovery Associates to pay the debt - Portfolio Recovery Associates filed a lawsuit in XXXX County Magistrate Court
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I previously reported to the CFPB numerous calls from Portfolio Recovery, using numerous phone numbers for a debt that does not belong to me. The calls have continued since my prior complaint. Typically there is nobody on the other line when I answer- and today I actually got a real person. The call came from XXXX, was made at XXXX EST, asking for a XXXX XXXX XXXX I informed the person that I am not the individual they are seeking. She said she would remove my name from their call list but I am doubtful that these harassing calls will stop.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A