Date Received: 2021-12-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio recovery is currently trying to collect medical debt from me. My credit report is reporting three different days last active. XXXX. XXXX XXXX. XXXX XXXX removed for errors This can not be correct, as the day last active would affect the day the account would naturally drop off.
Company Response:
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio recovery is currently trying to collect a debt from me. My credit report is currently reporting three different days last active. XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right, As the day it was last active, would affect the day it would naturally fall off. I have sent portfolio recovery many certified letters trying to get this removed from my credit report. Now they are no longer responding to my letters telling me I have already complained about the same thing prior. They said they would not do an investigation.
Company Response:
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The accounts Portfolio Recovery is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.
Company Response:
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, I am writing this letter to file a complaint against Portfolio Recovery Associates, XXXX XXXX XXXX, XXXX, VA XXXX. I mailed this company a debt validation letter on XX/XX/2021, through certified mail. It was delivered on XX/XX/2021. Tracking # XXXX. In my letter, I requested that Portfolio Recovery Associates send me several things including written proof to validate that this is my account. Included in this proof would be a signed agreement showing my knowledge/ownership of the accounts in question and the agreement to pay the amounts in question. Portfolio Recovery Associates failed to produce a copy of any signed agreements with my signature showing I am under contract to pay for this debt nor that this debt is mine. Instead, I only received copies of bills and a letter from Portfolio Recovery Associates and XXXX XXXX which is not enough to validate the debt in question. Portfolio Recovery Associates failed to include everything that I requested in my letter therefore they failed to validate the debt. Because Portfolio Recovery Associates has failed to supply me with all the documentation that I requested, I am asking to have this collection be removed from all three credit bureaus and cease all collection activities immediately. Thank you
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was called by Portfolio Recovery on XX/XX/21 About an XXXX XXXX Account that was opened without my knowledge over 8 years ago. I was told even if its off my credit I still owed the XXXX plus for the account. I told her I did not owe that money & that the account was opened fraudulently. She said it did not matter that I needed to pay. Theyve been calling none stop for the past few weeks with different numbers.That account is very old & doesnt make sense how Id owe money now.
Company Response:
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Portfolio Recovery Associates ( PRA ) issued a wage garnishment through XXXX XXXX XXXX for {$1200.00}. This was paid to XXXX XXXX XXXX on XX/XX/2021 via wire transfer and was acknowledged as paid in full by both XXXX XXXX XXXX and PRA. On XX/XX/2021, PRA sent me a letter stating that there was a balance due on the account. I contacted them and spoke with XXXX, who stated that the account was paid in full. After filing a dispute with the credit bureaus due to the information being inaccurately reported, PRA issued me a statement on XX/XX/2021, claiming that I still had a balance on the account in question for {$22.00}. I contacted PRA once more, spoke with XXXX, and she stated that the account shows as paid in full, but until I paid the {$22.00}, they would continue to issue a statement showing the balance. On XX/XX/2021, I received a letter stating once more that the account was paid in full, and that the balance is {$0.00}. Now once again, on XX/XX/2021, I received another statement from PRA claiming that there is a {$22.00} balance on the account. When I called PRA, and spoke with XXXX XXXX? ), and explained that I have communication stating that the account is paid in full. She stated to me that " unless I paid the balance they sent me, they will continue to contact me on the matter ''. When I explained that I have several letters dated from XXXX and XXXX that state the balance is paid in full, she proceeded to tell me that I " need to just pay the XXXX money the system says I owe ''.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portafolio Recovery Associates LLC, try to collect a Debt that I do not owned, and i dit send XXXX certificates letters requesting a validation signed contract document or cap signature by instrument use on the date of credit approval by bank, XXXX XXXX XXXX , they fail to respond, I give them 30 days to responded with the request document, or otherwise they should remove it from the reports of the credits bureaus, and they didn't, that is a violation at FCRA,
Company Response:
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a amount from a credit card in collections on my credit report. I did not authorize this account to be opened and was not aware of its existence. It is a fraudulent account opened in my name when i knew nothing of credit cards or credit card debt.
Company Response:
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Company Response:
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A