Date Received: 2021-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have already disputed this account once and the information received doesn't provide me with the full transaction history, payments, purchases etc. Something is not right here. I do not owe this debt.
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) XXXX Balance : {$4200.00} ; PORTFOLIO XXXX Balance : {$1700.00} ; PORTFOLIO XXXX Balance : {$1000.00} ; PORTFOLIO XXXX Balance : {$4200.00} ;
Company Response:
State: TX
Zip: 78596
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Have been receiving daily calls from Portfolio Recovery for months. The calls are always from a different number from various locations throughout the country. I have no debt, nothing on my credit report, and have received no letters from legit debt collection agencies. This is a scam and they are harassing me.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have submitted a request for the agency to verify that this debt belonged to me and asked for documentation of proof that this account is mine! The agency sent me a letter containing the last XXXX digits of my social security numbers and nothing more! This company is continually reporting this inaccurate information on my credit report and it is causing my great distress! I am writing in hopes of finally settling this matter! I have been going back and forth with this credit agency for XXXX months! This is the first time they respond to me! With a document recording the last XXXX of my social security number and my original dispute included this information! This is ILLEGAL practices from this debt collector! I will have to take this matter to court if it is in my best interest! While I prefer not to litigate I will do whatever is in my best interest to resolve this matter.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: In XXXX of XXXX, I took out a {$2000.00} loan with XXXX Bank to have dental work done through XXXX XXXX in XXXX, Ohio. The terms of the loan specified there would be no interest until XX/XX/XXXX. After taking out the loan, I learned that my XXXX insurance through XXXX University included a dental discount plan, and the dentist reduced the estimated cost of my dental work to just over {$1600.00}. I was ensured just under {$400.00} was immediately returned to the lender. After just a single filling was completed, at a cost of just over {$300.00} before my dental discount, I learned I was pregnant and could not finish the dental work we had planned. I was promised the remaining money would immediately be returned to the lender. In XX/XX/XXXX, I made a {$200.00} payment to the lender, XXXX Bank. In XX/XX/XXXX, XXXX Bank charged me interest, against the terms of the loan. I made a {$130.00} payment and called to find out why interest was charged. I was told my XXXX payment had been held, rather than being cashed, until after the due date, and so now XXXX was permitted to charge interest under the terms of the loan. I asked about the dental discount and the funds that were returned to them, and they claimed they received nothing. I called XXXX XXXX, and they said they had reduced the cost of my filling to just over {$100.00} and returned all the remaining funds to XXXX Bank. I wrote to XXXX Bank about this and did not hear anything else until I checked my credit report in XXXX, when a collections agency began listing the full debt plus interest as originating in XXXX. I disputed that item, and it simply reappeared months later under another collection agency 's name. I attempted to dispute it again, but was told I could only dispute that debt once, and all I could do after that was note the dispute on my report. In XXXX, the debt became listed under XXXX -- Portfolio Recovery Associates, another collections agency. Once again, I disputed the debt. Once again, I was told that wasn't permitted because it had been previously disputed, and all I could do was note my dispute on my report. I went through the same process in XXXX and XXXX. Finally, this year, XXXX, the bogus debt was removed from my credit report. Apparently, despite claiming that it originated in XXXX for 5 years, there was proof that it actually originated in XXXX, and can no longer legally be included in my report. Portfolio Recovery, however, began barraging me with harassing phone calls from seemingly endless different phone numbers immediately after the debt was removed from my report in XX/XX/XXXX. At first, I patiently asked that they no longer call my phone over a XXXX debt that I never owed and they can not collect. The call volume only increased, coming from more and more phone numbers. I began blocking every call from the company, and the volume increased even more, with even more phone numbers being used. Today alone, Saturday, XX/XX/XXXX, I have received calls from 11 different numbers beginning at XXXX Eastern time, with some numbers calling my phone 2-3 times a piece.
Company Response:
State: OH
Zip: 44484
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I put in a dispute with this company to notify them that they did not comply with federal law and I also notified them that I would be submitting a complaint to the CFPB, FTC, and attorney general in their state to my understanding this company had 15 day to respond to my CFPB complaint and this company has still failed to respond. This matter is not fair and It is causing me to be denied credit. Portfolio Recovery is liable for any actual damages under 15 U.S. Code 1692k - Civil liability ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE COMPANY PORTFOLIO RECOVERY HAS STATED I OWE THEM AN ALLEGED DEBT. I HAVE NO AGREEMENT WITH PORTFOLIO RECOVERY. THEY PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. PORTFOLIO RECOVERY HAS CREATED DUPLICATED ACCOUNT, PURSUANT TO 15 USC 3002 I AM NATURAL PERSON. According to the Fair Debt Collection Practice Act, codified as 15 USC 1692, you, as a " Debt Collector '' are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail, or email in a fraudulent account. Your failure to verify this account is trespass on right to privacy and to contract. Under FDCPA, unverified accounts are considered a " Fictitious Obligation '' and any demand for payment of such is an attempt to extort and administer property without right. Definition and Points of Authority ( pursuant to Federal and/or State rules of evidence, rules of procedure and FDCPA/15 USC 1692 ) Federal Rules of Evidence 1001 ( a ) A " writing '' consists of letters, words, numbers, or their equivalent set down in any form. ( b ) A " recording '' consists of letter, words, numbers, or their equivalent recorded in any manner ( d ) An " original '' of a writing or recording means the writing or recording itself or any counterpart intended to have the same effect by the person who executed or issued it. For electronically stored information, " original '' means any printout -- or other output readable by sight if it accurately reflects the information. An " original '' of a photograph includes the negative or a print from it. Rule 1002. Requirement of the original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statue provides otherwise. 18 USC 514 ( a ) Whoever, with the intent to defraud ( 1 ) draws, prints, processes, produces, publishes, or otherwise make, or attempts or causes the same, within the United States ; 28 USC 1746- Unsworn declarations under penalty of perjury Whenever, under any law of the Unite States or under any rule, regulation, order, or requirement made pursuit to law, any matter is required or permitted to be supported, evidence, established, or proved by the sworn declaration, verfication, certificate, statement, oath, or affidavit, in writing of the. person making the same ( other than a deposition, or an oath of office, or an oath required to be taken before a specified official other than notary public ), such matter may, with like force and effect, be supported, evidenced, established, or proved by the unsworn declaration, certificate, verfication, or statement, in writing of such person which is subscribed by him, as true under penalty of perjury, and dated, in substantially the following form : ( 1 ) if executed without the United States of America : " I declare ( or certify, verify, or state ) under penalty of perjury under the law of the United States of America that the foregoing is true and correct. Executed on ( date ). ( Signature ) ( 2 ) If execute within the United States, its territories, possessions, or commonwealths : " I declare ( or certify, verify, or state ) under penalty of perjury that the foregoing is true and correct. Executedon ( date ) ( Signature ) Stating from XXXX CFR XXXX ( f ) it defines contract as any oral or written agreement, formal or informal, between creditor and a seller. Therefore, I never signed or orally said that I agreed to pay this alleged debt or even gave them permission to sell my information to a third party seller. 16 CFR 433.2 ( a ) invokes my right as the debtor to assert all claims and defenses. 15 USC 1692c ( a ) Communication with the consumer generally. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692e ( 2 ) The false representation of -- ( a ) the character, amount, or legal status of any debt; or ( b ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt that was owed by Portfolio Recovery Associates is still being reported on my credit report by all XXXX credit reporting agencies. All debts have been paid and were supposed to be deleted from the credit reporting agencies. I am attaching proof from portfolio recovery that the letter in the mail states that all items should be deleted but have not been.
Company Response:
State: OH
Zip: 44221
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2021, {$680.00}, Portfolio Recovery Associates is trying to collect a debt that I will not pay. I have never agreed to pay a debt with this debt collector. I have not signed any documents stating that I agree to pay Portfolio Recovery {$680.00} cents. Portfolio Recovery Associate I refuse to pay a debt that you claim I owe your company. You do NOT have my WRITTEN SIGNATURE show that I agree to pay Portfolio Recovery any amount of money. Cease further communication with me. 15 U.S code 1681c ( c ) clearly states the law on communication with the CONSUMER. I have all the documents that Portfolio Recovery has mailed to me that show the incorrect address. I have documents asking me to file out a documents for fraud. These documents are clear violations of the Fair Debt Collection Practices Act. 15 U.S code 1692.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Again, Portfolio Recovery HAS NOT submitted the data to the credit reporting agency as they stated. If so, then the data would have been removed immediately like it was described by the Credit reporting agency once they received it from the creditor. Like I previously stated, they said it would be removed. It is not. it's passed the 30 days they have not updated it as paid or attempted to remove the credit line. I will continue to open a CFPB dispute until this is resolved or they are in prison for making false statements. I want them to furnish the transaction ID provided by XXXX showing that they actually sent the data. There is a transaction ID for all data submitted to the credit reporting agencies. It is there specifically to provide a tracking number.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A