Date Received: 2022-03-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery Associates LLC will call 4-5 times a day. They will call from all different states. I have told them several times to stop calling but they have been refusing to listen. I know what the debt is in regards to but they keep calling over and over again.
Company Response:
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: To whom it may concern : I recently find out the account of PRA reflecting on all my credit reports hurting my credit score. I have never signed any agreement with PRA regarding the present accounts for XXXX XXXX and XXXX XXXX. Both accounts are old accounts. I have tried to resolve both accounts by making an offer to PRA and explained my present circumstances by providing hardship documents ( Unemployment ) The first attempt, I have sent a letter a letter on XX/XX/XXXX making an offer of what I can afford ( 1st offered a 30 % ) ( {$910.00} XXXX XXXX and XXXX {$990.00} ) to settle both accounts ( without certify mail ) but felt was totally ignored by when receiving several bills over the mail from XX/XX/XXXX to XX/XX/XXXX in response. A second letter was sent on XX/XX/XXXX via certified mail along with the hardship documents to attempt to resolve both accounts. ( {$1000.00} for XXXX XXXX and XXXX {$1100.00} ) They responded to me with a letter dated on XX/XX/XXXX requesting " hardship documents '' and provided a " Permanent Hardship Request Form '' to fill out and within " 30 days ''. Along with only one bill with full balance ( XXXX XXXX ) and ignoring XXXX XXXX account. I got this letter around XX/XX/XXXX via mail. I have also provided previously hardship documents. Within few days I received another letter ( dated XX/XX/XXXX ) but received just yesterday ( XX/XX/XXXX ) stating " The letter confirms your arrangement made on XX/XX/XXXX with XXXX XXXX to settle the account '' for XXXX XXXX account only. But on the mid letter section stating : " ** The Sum of Remaining Payments under Payment Plan assumes all payments are made as agreed to under the plan**, '' Under : Sum of Remaining Payments under Payment Plan : {$1100.00} for XXXX XXXX XXXX Previously offered {$1000.00} on second letter offer ) This is very confusing to me. Is this a payment plan or settlement? I am not looking for payment plan. I am looking to SETTLE this account, close it and delete from all my credit reports. Please note : I have never spoke over the phone or mail or interact with name XXXX XXXX to settle both accounts. I have checked all bills received and none of this letters reflect XXXX XXXX. I have never made any phone calls to PRA. I only wrote the enclosed letters. Please see the enclosed documents for your review as proof. Legally, I am exempt due to unemployment. This is my third month of unemployment. Please see the hardship copy enclosed as well. I don't feel well and I cant sleep. Also, I have find out by doing a lot of research that PRA buy old or expired accounts cents by the dollar. I am giving an opportunity to resolve both accounts. Before considering if filing Bankruptcy will be best option of relief as I have other multiple debts, in additon that I have lost my car and endiing with another bill. Many Thanks for your consideration and assistance in this matter. Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: my wallet was lost a few years ago, i did report it since i noticed since then my information was being used to open accounts that were unauthorized by me.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Portfolio recovery is attempting to collect a. Debt that is to old to collect on. Statue of limitations ran out. They refuse to remove if as of XXXX/XXXX/2022
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX Report # XXXX on XX/XX/XXXX has a negative account reporting from PORTFOLIO RECOVERY ASSOCIATES ( PRA ) with the original creditor XXXX XXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. XXXX, XXXX and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. PRA claims they bought this account from XXXX XXXX. As I have attached an identity theft report due to XXXX XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of 1099-C, cancellation of debt and the 1099-OID Original Issue Discount forms. They have filed these forms without my authorization and then sold the alleged debt to a 3rd party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX XXXX or PRA to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XXXX XXXX 2022 Portfolio Recover called my XXXX XXXX XXXX sisters phone twice while she was in school. I called back to inform them that it was a number belonging to a minor and that they need to put her number on a do not call list. The representative was very rude and uncooperative and tried to get my information instead of apologize and correct the issue. They also frequently called from fake numbers.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello Portfolio Recovery Associates, and how are you? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been contacted multiple times by phone and us mail from a company called portfolio recovery. i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with portfolio recovery associates llc 2. a signed application by me agreeing to a credit card with XXXX XXXX XXXXXXXX 3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX XXXX XXXX 5. the age of the debt 6. portfolio recovery associates llc associates license number 7. portfolio recovery associates proof of ownership
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery A has been charging me {$1800.00} for XXXX XXXX I have been telling them I never borrowed from XXXX XXXX so the charge is fraudulent a few months ago they called me and told me to do a {$100.00} payment and that it will settle the account so I figured its worth it so they can stop calling me but they just deducted the money from the total and still call me
Company Response:
State: CA
Zip: 93458
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A