Date Received: 2022-03-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I SETTLED THIS DISPUTED DEBT IN FULL PER THE PER THE TERMS OF PRA OFFER TO ZERO THE BALANCE AND REMOVE NEGATIVE CREDIT REPORTING. AFTER I PAID MY AGREED UPON SETTLEMENT AMOUNT THEY ARE ATTEMPTING TO COLLECT THE BALANCE OF THE ORIGINAL DISPUTED BALANCE AND HAVE NOT REMOVED THE NEGATIVE COLLECTIONS ACCOUNT FROM THE CREDIT REPORTING AGENCIES. THIS IS PURELY SIMPLE FINANCIAL FRAUD AND MUST BE PUNISHED.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2022-04-02
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 is not yours
Consumer Complaint: Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting
Company Response:
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I SETTLED THIS DISPUTED DEBT IN FULL PER THE PER THE TERMS OF PRA OFFER TO XXXX THE BALANCE AND REMOVE NEGATIVE CREDIT REPORTING. AFTER I PAID MY AGREED UPON SETTLEMENT AMOUNT THEY ARE ATTEMPTING TO COLLECT THE BALANCE OF THE ORIGINAL DISPUTED BALANCE AND HAVE NOT REMOVED THE NEGATIVE COLLECTIONS ACCOUNT FROM THE CREDIT REPORTING AGENCIES. THIS IS PURELY SIMPLE FINANCIAL FRAUD AND MUST BE PUNISHED.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX XXXX I was contacted by Portfolio Recovery Services on behalf of an alleged debt of {$450.00}. According to 15 USC 1692 ( 2 ) a debt collector may not state such consumer owe a debt. I have not consented to the selling of my private information in disclosure of my love of dwelling, I have no bonded contractual agreement with the company in pursuant to an alleged debt. This is also a direct violation of 15 USC 1692f unfair practices I have never consented nor have done business with this company who is reporting inaccuracy to my consumer report which is a threat to my moral character and reputation.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Received summons sometime in XX/XX/XXXX or the first part of XX/XX/XXXX I was served with a debt claim lawsuit from Portfolio Recovery. I responded to lawsuit on XXXX ; Motion to transfer filed XX/XX/XXXX ; I requested for Production of Document XX/XX/XXXX ; I sent documents by e-mail and by express mail on XXXX. My XXXX credit report showing Portfolio as the creditor. The Judgement amount is XXXX court cost is included in this total. I have informed them this is not my debt. I have not signed a contract with this company. The original debt is no longer listed on my credit report, which is from XXXX, it fell off in XXXX. I am unable to determine the truth in this dollar amount and the age of the debt or if the statute of limitation has expired. I dont know if the bill of sale is correct or even if it was sold to Portfolio . I dont know how to explain this in Court. Looking at the Asset Schedule, it doesnt look accurate, should there be a dollar amount in the Sale Amount column, it looks like it was taken out. With an interest rate so high how do you catch up? XXXX XXXX XXXX XXXX XXXX also sent me collection information ; letter dated XXXX ; how do I know which one is correct/truthful? I put in a request to have the case transferred to another court, the Judge denied the transfer and I attended court to discuss the reason for the transfer ; I thought I should attend court in my precinct. XXXX is such a large county it was explained to me that I was still in the XXXX County lines. I though the case was over. I recently received a court date for XX/XX/XXXX. I was unable to attend court due to medical reason. ( Temp of XXXX ; chills, sore throat and a slight headache ). The Judge rule in favor of Portfolio. I did call the court to let them know I could not make it that day. This is draining me mentally and my head is not in a good place. I should be in bed sleep, but I cant sleep due to a possible judgement being placed on my credit file. Where is my relief from XXXX, XXXX? Were my Consumer rights violated when Portfolio place this debt on my credit report once the original debt collector fell off my credit report. Can I sue them for all the heartache this has cause me? I dont have a large sum of money to pay this debt which I am not sure it belongs to me. I did not sign a contract with this Portfolio. I asked them to remove the debt from my credit report and they refused? How do I get this off my credit report? I requested information from Portfolio, they did not provide me with the proper documentation before trial. Apparently, they showed something in court, why didnt I receive those same documents before trial? What they sent me, look like something computer generated, and I can make up a form using XXXX. At the time this account fell behind to XXXX, the government shut down for about 30 days. I was also doing therapy due to back issues ; it is very difficult pay your bills and pay medical expense at the same time especially when you have fallen behind. to I have neglected my health to keep up with my payment. I informed XXXX I was having some financial issues and I wanted to use the debt protection Plan, it never happened.
Company Response:
State: TX
Zip: 75180
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hi my name is XXXX XXXX. XXXX has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The XXXX account # XXXX .... and PORTFOLIO RECOVERY account # XXXX in reference continues to report on my XXXX file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 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 and XXXX can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/22 I was contacted by Portfolio Recovery about a debt they had purchased from XXXX Bank of $ XXXX..They had been calling repeatedly..We came to an agreement of $ XXXX..Initially I tried to pay with my credit card.They said I couldn't pay with credit. The lady on then phone was speaking to me as if I were an idiot. Other companies had taken credit no problem. When I got my debit card to pay the agreed amount the lady said I hurt her feelings and she would not accept my money. Now I find they have put this back on my credit report as if it is new..I have an email they sent detailing the agreement. I was promised if I paid the {$630.00} the collections would be removed from all the credit reports..They never had any intentions of making a deal..They wanted to put this account on for another 7 years. I request your help in removing this from my credit.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I asked them to stop calling me and send a letter. The man told me he could continue calling me as much as they want ( about 8 times a day ) and would bring me to court and sue me. Now they've reopened the old account on my credit report and it dropped my credit score.
Company Response:
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted this company Portfolio XXXX XXXX to provide me with a signed contract to validate their claim no one ever responded. I sent out a letter on XX/XX/2022 I ended up sending another letter on XX/XX/2022 Certified mail. I have all my documents!!!
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted this company Portfolio Recov Assc to provide me with a signed contract to validate their claim no one ever responded. I sent out a letter on XX/XX/2022 I ended up sending another letter on XX/XX/2022 Certified mail. I have all my documents!!!
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A