Date Received: 2022-01-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery is attempting to collect a credit card debt that they bought. They call twice a day every day and never leave a message on my answering machine. They just let the phone ring and ring and then hang up, never leaving a message. Once I picked up the phone and told them to stop calling because they never leave a message. This has been happening for many many months.
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I looked at my credit report upon being released from prison after 9 years on XX/XX/2021. There was a debt listed that I had nothing to do with. I submitted a complaint with XXXX. They " investigated '' and said the info is " accurate ''. This is ridiculous. People in prison are highly monitored and can only purchase consumer items with cash. They have records of all Ive purchased and this debt isnt " accurate ''.
Company Response:
State: CA
Zip: 90063
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX, I checked my credit score and credit report and discovered that my credit score had dropped XXXX points due to a new collection account reported on my credit. I have no idea what the account is and was never contacted or provided any information regarding the alleged debt. I never received a debt validation notice or any other documentation of the debt. I was also never provided any information regarding who the original creditor was. According to my credit report, the creditor of this alleged debt is : Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX I have never received any communication or documentation from Portfolio Recovery Associates regarding details of the debt or my rights as a consumer to dispute the debt. The details provided on my credit report about the debt are insufficient as well. The only details provided on my report are : High Credit : {$460.00} Terms Frequency : Unknown Balance : {$460.00} Amount Past Due : $ XXXX Months Reviewed : 0 Owner : Individual Account Type : Other Term Duration : 0 Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Delinquency First Reported : XX/XX/XXXX Creditor Classification : Banking Loan Type : Debt Buyer Account Date of First Delinquency : XX/XX/XXXX Portfolio Recovery Associates has violated my consumer rights under FDCPA. This alleged debt/account should be immediately removed from my credit report.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery Associates purchased my information from XXXX XXXX XXXX XXXX, and is trying to recover what they say I now owe them in the amount of {$880.00}. I have no contract with Portfolio Recovery Associates.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I filed a complaint with CFPB about Portfolio Recovering Associates ( PRA ) reporting three unknown accounts with credit reporting agancies. They responded revealing the original credor names and inaccurate dates of when those accounts were closed and charged of to them. I would like PRA to correct the records to match the original credtors, whom I contacted, with all credit bureau reporting agencies as follows : XXXX ( XXXX XXXX, account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX
Company Response:
State: LA
Zip: 70003
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have been disputing this debt since XXXX. The original creditor is XXXX XXXX which was my former employee for almost 20 years. Almost our entire site was laid off XX/XX/XXXX. I was paying my XXXX XXXX credit card with severance until it ran out. I called late XXXX XXXX about settling account and the CAP ( customer assistance program ) and was told I could not because I was current. I needed the account to be delinquent to do so. They would not allow me the hardship plan even though I didnt have a job and hadnt been approved for unemployment. Then XXXX happened in XX/XX/XXXX. I called back and tried to get a settlement but could not afford the amount plus I didnt agree with the negative or derogatory credit rating it would give me. I called and wrote complaints to the office of the president with no resolution. A year later and they sell my account to a debt buyer and delete their reporting from credit bureau. Now, I receive an update from the credit bureaus of a major derogatory impact from the debt buyer. I have not received any calls, messages or letters from them. I continue to dispute this as XXXX should not have sold this account while I disputed. I worked in the recovery department and saw they bent over backwards for customers who in fact owed but complained and threaten their reputation. I was drowning and asking for assistance and they refused to help me. No Covid relief or hardship help, all because I was current at the time. Riddle me this, why would I as an excellent customer with no late payments intentionally damage my own credit? Who does that? I was proactive and reached out for help. I could not afford it then and cant afford it now. Covid still exists. I have twin sons in college and I can not pay this debt. Its settlement or bankruptcy which I dont want to do but will be left with no other choice. Im disappointed that in this day and time, companies seek to make life harder for others. It should not be allowed. No attempts to reach me. No letters and if calls were made, there was not a single message left regarding this. Again, I dispute this debt. XXXX should never have sold a debt in dispute. They know better.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Portfolio Recovery Associates, LLC at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor XXXX Bank XXXX The inaccurate collection was removed by XXXX Bank after the last dispute was filed XX/XX/XXXX with the CFPB. Portfolio Recovery Associates has since sent me another collection letter noting the account numbers ( XXXX ) ( XXXX ) listed on the 1099-C and the notice of debt sold/purchase from XXXX Bank to Portfolio Recovery Associates does not match . On XX/XX/XXXX Portfolio Recovery Associates put the collection back on my credit reports after the deletions last month. The inaccurate reporting of the account numbers is a clerical error on the part of XXXX Bank and Portfolio Recovery Associates. I do not any further debts in the above referenced amount of {$1200.00} that is being inaccurately reported again.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Starting at XXXX a.m. and again at XXXX p.m. EST, phone number ( XXXX ) XXXX XXXX and ( XXXX ) XXXX XXXX called my personal cell phone XXXX times ( came up on my SPAM blocker and then XXXX times at XXXX p.m. This is ridiculous and bothersome. I have answered and asked before for them to not contact me. The numbers change, but it's the same company. I have the call log on my SPAM blocker to prove the excessiveness.
Company Response:
State: OH
Zip: 44203
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After mailing a certified letter to the company requesting validation of debt, the company responded with copies of a past-due bill. Portfolio Recovery Assoc. did not send me copies of any proof showing I opened the accounts nor a complete account record. Nothing baring my signature or anything. They only sent a past-due bill which isn't what I requested. In my recent complaint, Portfolio stated that they had business records showing that I opened these accounts but never produced those records to me.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i, XXXX XXXX am Im submitting this complaint myself and and there is no third party involved. Portfolio Recovery Associates, XXXX has continued to contact me presenting me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. Portfolio Recovery Associates, XXXX has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b 2, 15 USC 1692j a, 15 USC 1692e 2A, 15 USC 1692e 7, 15 USC 1692e 8, 15 USC 1692e 10, 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them. Portfolio Recovery Associates, XXXX also attempted to act as if my claims of violating my consumer rights under Title 15 Chapter 41 are irrelevant to this situation at hand. This alleged debt was a consumer credit transaction so Title 15 Chapter 41 is very relevant to this situation. Portfolio Recovery Associates, XXXX was also sent a Bill of Particulars, Affidavit of Truth, and Cease and Desist exercising my consumer rights pursuant to 15 USC 1692c c2 Portfolio Recovery Associates continues to send information that is not sufficient to my request and demands ( which they have already previously been informed that it wasnt sufficient ) and I have viewed this information as an attempt to manipulate me and coerce me into paying an alleged debt that does belong to me nor do I owe. I demanded that Portfolio Recovery Associates, XXXX send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 7a. Portfolio Recovery Associates, XXXX responses with only half of this requested information which I have construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. XXXX XXXX who sold this alleged debt to Portfolio Recorvery Associates, XXXX gave a response that was not sufficient as they did not provide all the information requested above. I have also contacted Porfolio Recvoery Associates, XXXX for the above information which I have yet to receive from them also informed me that they are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction. Portfolio Recovery Associates, XXXX has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and 15 USC 1692f by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. I demanded in writing that Portfolio Recovery Associates, XXXX stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this information. Portfolio Recovery Associates nor XXXXXXXX XXXX no longer has my written permission to furnishing my report with this false information. The United States government created a bond on me which is my birth certificate with which negotiable instruments may be issued, my bond and social security number provided the security interest for the consumer credit transaction with XXXX XXXX Security which covers all obligations or alleged obligations which is that of the United States government. Pursuant to 31 USC 3718 Portfolio Recovery Associates, XXXX has to have a contract with the Treasury in order to even collect an alleged debt which Portfolio Recovery Associates, XXXX does not have. I also informed Portfolio Recovery Associates, XXXX that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file a fault judgement in favor of me, the consumer. As of today Portfolio Recovery Associates, XXXX is in default and the necessary actions are being taken against Portfolio Recovery Associates, XXXX
Company Response:
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A