Date Received: 2022-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls to cell number and landline two to three times a day at either number. No message is ever left on voice mail. Letter written to Portfolio Recovery on XX/XX/XXXX to cease and desist calling both numbers. Email sent to XXXX on XX/XX/XXXX to stop calling each number. Calls are made from all over the United StatesXXXX, NY, XXXX, CA, XXXX, MS XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX CA, XXXX, NJ, XXXX XXXX XXXX CA, XXXX XXXX XXXX CA etc. Saturday, XX/XX/XXXX call came into cell from XXXX, MA, Yesterday XXXX, OH, today from XXXX, CA from # XXXX call to landline today at XXXX from XXXX This has been going on for several weeks and I do not owe anyone any outstanding debt and have received nothing in the mail to indicate I owe any funds to Portfolio Recovery or any of their subsidiaries.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am currently receiving false and misleading information on my credit report due to Identity Theft. I am a consumer/natural person who never authorized those contracts with these Accounts reported and assumed to be mines. I have contacted XXXX and told them to validate that inaccurate information off my consumer credit report. They have not helped me remove this off my credit report. This is affecting my ability to get credit and take care of my household needs. I need these inaccurate and fraudulent accounts removed off my immediately.
Company Response:
State: CA
Zip: 93630
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: AS I DO NOT ASNWERS ANY PHONE CALLS ON MY CELL PHONE AND i HAVE THE RIGHT NOT TO. THEY STARTED TOCALL ME AT WORK AND TOLD MY COWORKER THEY WERE CALLING TO COLLECT A DEBT.. IT WAS EMBARRZED AS EVEN MY BOSS WAS HERE AT THE SAME ROOM WE WERE HAVING A MEETING AND THIS PERSON STARTED TELLING ME I HAVE A DEBT ETC.. I AM ON THE DO NOT CALL LIST AND STILL RECEIVED PLENTY PHONE CALLS. THE DEBT WAS IN 2016 HOSPITAL BUT I HAVE TRIED MY BEST AND THE LOCAL HOSPITAL ADVICE JUST TO LET IT GO. AS THEY COULDNT HELP ME NEITHER WITH THE BILL.
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Various phone numbers recognized as Portfolio Recovery on called ID continues to call my minor childs phone number XXXX. I asked them to stop calling. Ive blocked their various phone numbers, but they create new numbers at intervals to seemingly override the call block. I pulled their address from XXXX, although they have numerous addresses listed. XXXX XXXX XXXX, XXXX, VA
Company Response:
State: OH
Zip: 45420
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am a consumer. I have been violated and deceived by the use of unfair collection practices. PORTFOLIO RECOVERY ASSOCIATES, LLC has violated my right to privacy. My reference number is XXXX with this company. I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES, LLC, and have written them three times asking for proof of claim/verification for this unauthorized alleged debt! I want a wet-signature signed by a natural person from Portfolio Recovery Associates , LLC and myself showing that we have a contract. I sent registered mail along with my Affidavit of Truth complete with how I have been violated and have not received a response. They recently sent me just a statement of this alleged debt, but NEVER answered my questions in my Verification Letter ( Proof of Claim ). A statement is NOT proof of this alleged debt. The only person that can verify the debt is me the Consumer according to Title 15 USC 1692g is me. PORTFOLIO RECOVERY has not responded to my statement of truth, and has threatened to sue me! According to 28 USC ( 1 ) ( B ) any private attorney authorized by contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States. Is this attorney in accordance with this code? I am alleging that they are not. Not to mention PORTFILIO RECOVERY ASSOCIATES, LLC violated 15 USC code 1692e ( 3 ) by the issuance of documents titled SUMMON/NOTICE to appear in court which is considered false representations and implications of the legal process. I am a single mother. I am looking for new employment. PORTFOLIO RECOVERY ASSOCIATES, LLC has prevented me from getting a new job because they have reported this alleged account to all three major reporting agencies and I want it removed ASAP!!!! Times are hard enough in a pandemic to have my character destroyed by the horrible company. Pursuant to 18 USC 241, this is a conspiracy against my rights because two or more persons are conspiring AGAINST me to injure, oppress, threaten and intimidate me. I have had enough.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: The following company has recently caused me financial grief in the form of harrassment and falsified reporting of inaccurate and fraudulent information on my personal credit file. The company has submitted documentation imitating to be legal entities of the court, and has repeatedly violated multiple FDCPA guidelines.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio recovery sends me a letter wed account is no me I sent a letter back asking for information they never send me nothing Not a XXXX the account is my
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery Associates debt collection efforts have submitted false or deceptive affidavits to state and local courts, in order to fraudulently obtain default judgments against consumer for phantom debts, or debts for which PRA lack sufficient evidence to properly obtain default judgments. In so doing, PRA violated the FDCPA, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), New York General Business Law 349 ( GBL 349 ), and were unjustly enriched. In further, my accounts are business credit card accounts.. Not personal debt. Where does it end. In attempting to file several disputes with the NCRAs, with no clear response or closure, they have resorted to " temporarily suspend '' my online accounts. Smells like retaliation to me.. I am now demanding that the NCRAs reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. Not thru an automated response unit with coding & algorithms. How low can you go. Obviously I am onto something they don't like. Thankfully the CFPB was created in 2008. Thank you for your time and consideration to this on going XXXX Consumer problem.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery Associates, LLC at XXXX XXXX XXXX XXXX VA XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as past due balance. I do not know this company. The company does not have a contract with my signature.
Company Response:
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A