Date Received: 2022-02-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I feel as though I have been harassed daily by Portfolio Recovery Associates. I literally receive calls 3+ times a day from different numbers. Weekends, holidays, after and before normal business hours.
Company Response:
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: THIS WAS FRAUD I SUBMITTED A REPORT ON THAT CREDIT CARD ALMOST TWO YEARS AGO AND THEY MUST OF SENT IT TO A DEBT COLLECTOR I HAVE HAD SEVERAL NEW NUMBER SINCE THEN AND NOW THEY HAVE THIS DEBT COLLECTORS CALLING MY NEW NUMBER. I WAS A VICTIM OF IDENTIFY THEFT SEVERAL TIMES AND TOLD THEM THIS INFORMATION SEVERAL TIMES. remove this from my credit immediately.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: INACCURATE INFORMATION REPORTING ON MY CREDIT.
Company Response:
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX Bank continues to report {$400.00} negatively on my credit report despite them admitting that the credit card was incorrect. I had a credit card with XXXX XXXX in XXXX, I paid the card off and cancelled because the verbal abuse I received at the hands of one of their customer associates. Fast forward years later, they have been reporting that I have a card that is paid off as agreed and another one that has been in collections for over eight years?! How?! Why would I get two credit cards from the same company, that verbally abused me??? it is truly absurd and stupid. It was clearly a mistake and I recall calling the customer service line to inform them that I had cancelled the card and didnt have any other card, to which they responded saying that it was recently charged and usedthis was in XXXX. Fast forward to present day and it is still showing up on my account, I asked the Bureaus to dispute this showing that I have reports from XXXX that show the discrepancys ( due to the new dates that somehow keep updating to reflect present dates ) in the dates the card was allegedly opened. As you can see from one report from XXXX and current XXXX report data ; on one repot it shows a date of XXXX on another it shows open/reporting date XXXX! I would never, not in a million years apply for a credit card with XXXX XXXX after being disrespected by their customer service employee. This demonstrates how they and debt buyers would go to extreme lengths to make sure people suffer and dont have opportunities and fair credit reporting.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio Recovery Associates are inaccurately reporting the allege amount of XXXX to the credit reporting agency. Portfolio is report the allege amount to credit reporting agency as XXXX aslo Portfolio recovery is reporting a second allege amount of XXXX to the credit reporting agency as XXXX this is a violation of inaccurate reporting.
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Have not received any documents that show I signed acknowledging this collection. I need it removed from my credit reports till documentation can be produced showing I signed anything stating this is my debt.
Company Response:
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This is not my account and it needs to be deleted immediately from my account
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I started by sending a letter to the company so that I could verify the validity of this account. I could not verify the account with the information I received. I sent 2 letters requesting this information. I then sent a cease and desist letter, I requested that they not report this unverified debt until I receive the information so that I could verify the validity. Next, I filed a complaint with XXXX. They responded but it did not show any information that showed this was my account. XX/XX/2022, I spoke with XXXX XXXX and XXXX XXXX ( collection supervisor ) about this problem and they were unable to assist me.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out to the credit bureau ; I have also reached out to the company letting them know that this item was not mine and that i wanted them to send me some information showing proof of item. I never received anything back and the item is still showing on my credit reporting. Due to this item my score is not were it needs to be. Item number listed on my reporting XXXX Portfolio Recovery
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: this was identity theft and they are charging me an an amount that I have no knowledge about.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A