Date Received: 2022-02-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I'm a XXXX struggling student that is living on Social Security SSI income that recently lost my job due to the Covid Pandemic. Im struggling to pay for rent and food and other necessities and I will like if you can please have the courtesy of cease and desist on all my debt due to me being XXXX living on Social Security SSI fixed income which is a violation and against the law tu sue a XXXX person living on a fixed Social Security income. I will like for you to please have the courtesy of stopping and canceling the lawsuit on XX/XX/XXXX and email me a confirmation from you and your lawyer saying you cancelled and stopped the lawsuit through this cfpb message or XXXX.
Company Response:
State: MA
Zip: 01841
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The Company Portfolio Recovery at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sendig me collection notices with a balance of {$1200.00} due. I do not know this company and do not owe them any money. They do not have a contract with my name on it. I have previously written them in XXXX of 2021 and they have failed to provide me with the verification that I requested. They are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ;
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received repeated calls from many different phone numbers with the ID of " Portfoliorecov ''. I am not certain but I think these could be calls from a company called Portfolio Recovery which, according to the internet, has been implicated in collection scams. First I want to make it clear that my only debt is my mortgage. I always pay this on time, and pay-off the balance for credit cards at the end of the month. I have never received a notice of an unpaid debt from this company ( which I believe is required by law, and absence of such is a warning flag ). I have tried to remedy the situation by answering the phone in order to provide corrective information, but there is never anyone on the other line. I have concluded that, rather than legitimately trying to contact me, they are ( 1 ) trying to harass and intimidate me, or ( 2 ) are trying to determine when I am home so that they can rob my home or otherwise target me for other telemarketers. I have made numerous complaints to the donotcall.gov website and no apparent action has been taken. So I started blocking calls on my landline. Unfortunately, they always seem to be able to cough-up another number I have not yet blocked. Since XX/XX/XXXX, calls from Portfoliorecov have been received from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In late XXXX, I lost a parent after a long illness. This devasted me financially and I dealt with years of XXXX. During this time, unfortunately several of my credit card accounts fell into delinquency. It has taken nearly a decade to put myself and my finances back together. At some point in XXXX, Portfolio Recovery Associates ( of XXXX. VA ) purchased old debt from my accounts that was charged off by the original creditors. Long after the statute of limitations on these debts had already passed and Portfolio could no longer take any legal action about them, they began to fraudulently misrepresent the debts and distort information about them in an ongoing effort to re-age them and destroy my credit, a practice illegal under the FCRA. Their actions included : Misrepresenting themselves as various types of companies ( including factoring company, attorney, law firm ) when they are required by the FCRA to identify themselves as debt collector, debt buyer, or, in very specific conditions that did not apply to my old debts that they purchased, collection agency Misrepresenting information about the date on which the account in question would age off my credit report by : omitting information about the date of delinquency ; providing the ( irrelevant ) date on which they purchased the debt in an effort to misrepresent it as the date of delinquency ; fabricating the date completely ( as presently seen on my XXXX credit report : the date of delinquency was XXXX XXXX, but in XXXX of XXXX, they fraudulently misrepresented this date to XXXX as being XX/XX/XXXX ) Fraudulently posting the account in question as various types of accounts, including installment loans, other accounts, and payment plans Re-reporting the account in question after I have successfully disputed it with a credit reporting company ( XXXX, XXXX, XXXX ) with false information in order to make it appear like a different account from one that was successfully disputed and removed, multiple times with multiple reporting companies Fraudulently claiming there has been activity on the account as recently as XXXX XXXX so as to cause the account to impact my credit score and creditworthiness Portfolio has made it impossible for me to take any action on this the debt in question until it is off my credit report ( because if I take any action it may reset the clock on the debt ), yet they are interfering with the lawful removal of the account from my credit reports due to its age. At this point their fraudulent manipulation of information on my credit report has impacted me professionally ( background checks for work ), I have been denied credit, and the presence of this item on my credit report makes it impossible for me to consider buying my first home. The attached screen shot shows my XXXX credit file. Note the missing information. This is for an account that went into delinquency in XXXX XXXX. Portfolio is now presenting it as an installment plan that has just gone into 120 day status.
Company Response:
State: OR
Zip: 97214
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reason to believe that PORTFOLIO RECOVERY is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$690.00} debt as well as an {$330.00} debt that I don't owe and has been doing so since XX/XX/2019. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of PORTFOLIO RECOVERY or the XXXX consumer reporting agencies XXXX, XXXX, or XXXX. Running a consumer report through the " XXXX '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? Per XXXX XXXXXXXX XXXX XXXXXXXX - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Per the XXXX XXXX XXXX : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose XXXX XXXX ( XXXX ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? I believe my consumer rights are under attack.
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have written over 10 cease & desist to XXXX XXXX. Once I send the letters a month later they send me the same letter with a differ reference #. This has happened more than 3 time. I thought it was illegal to continuing to contact the consumer once the Cease & Desist letters are sent
Company Response:
State: TX
Zip: 77020
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I'll have made repeated attempts to have this collection removed from my account. It is illegal and was a debt that was previously discharged in bankruptcy. This company has intentionally affected my credit to get {$700.00} from me.
Company Response:
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I already paid this debt but still hurting my credit score please help me PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX, VA XXXX PHONE XXXX | www.portfoliorecovery.com XX/XX/2022 Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX Original Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current Creditor : Portfolio Recovery Associates , LLC Dear XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this account. Your current balance on this account is $ 0.00*. Please retain this letter as proof your account has been settled. Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our company 's tradeline related to your account from your credit bureau report. Portfolio Recovery Associates , LLC can not control how fast the credit reporting agencies process requests. *Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are XXXX. to XXXX XXXX - XXXX, XXXX. XXXX - XXXX, XXXX. XXXX - XXXX ( ET ). Thank you for resolving this account. Sincerely, XXXX XXXX XXXX Portfolio Recovery Associates , LLC Representative
Company Response:
State: IL
Zip: 60538
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Repeated calls from port folio recovery even after being told to stop as well as telling them the person they are calling for is not here ( wrong number )
Company Response:
State: NJ
Zip: 08050
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020 I noticed an account on my credit reports that I did not recognize from Portfolio Recovery. I realized I had never received a notice of the right to dispute regarding this collection. That same day, I sent Portfolio Recovery a letter to validate the account. I have a certified return receipt signed for my letter on XXXX, 2020. In the 30 days that followed I did not receive any documentation validating either debt. I checked all three of my credit reports and they failed to mark either account as disputed. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My 2nd letter was received certified return receipt on XX/XX/2020. Again, I received not response and the accounts were still not removed. I sent a 3rd followup on XX/XX/XXXX, signed for on XX/XX/2020, still no response and the accts were still on my reports I sent all of my documentation to the XXXX credit bureaus and again it was not removed.
Company Response:
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A