Date Received: 2023-07-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I've received phone calls at one point, every day then every other day from Portfolio recovery. For example XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, then XX/XX/23. I initially missed calls by accident, then didn't answer because the caller ID seemed scam-like. I then began to look into who they are and what debts I potentially had associated with them. I have 1, that I am in the process of getting handled via XXXX XXXX or sending them a debt validation letter since I noticed inaccurate information on my account they're associated with. I then did research on XXXX and saw how they've maneuvered in this manner with other people by making legal threats, which I'm certain has been attempted but I haven't been home either time that they came to my house.
Company Response:
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have written letters via certified mail to notify XXXX that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for XXXX to update my address and personal information. My XXXX file should only show XXXX address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX, PORTFOLIO RECOVERY, and XXXX are furnishing information that does not belong to me and the inaccurate or fraudulent information is being reported by XXXX, XXXX XXXX XXXXXXXX. I have sent letters of dispute, giving all of the companies a notice and asking that the information be deleted from the profile under my name.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Keep receiving numerous calls and threats all times of the morn. Or day about a XXXX XXXX XXXX account credit card that I never received or used and Recovery portfolio have been trying to collect debt and won't resolve instead keep harrasing and threats to sue and have been told that I have been a victim of fraudulent activity with XXXX XXXX XXXX and XXXX XXXX XXXX and have disputed it and Portfolio recovery has not removed or investigated it and continue to harrass and ask me to pay A Identity and fraudulent payment sum of {$460.00} that I didn't receive and threathen to be sued Credit card companies /Portfolio recovery
Company Response:
State: MO
Zip: 658XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: All your attempts to collect a debt that is not yours have been removed from My credit which you unlawfully obtained. Please refrain from contacting me as your in violation of credit act neither bi phone or bi mail as I do not owe you any money or intend to pay you any money.. not to mention allegations of your debt is beyond statue of limitations. Any further communication will be considered harrasment as I am making a comeplaint telling you to stop contacting me.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX XXXX has made filed false statements to XXXX XXXX saying they have served me with papers and have not which caused me to miss court date because I did not know after this they have sent false documents to me saying they have been granted a default judgement on me this is how I found out about the lawsuit. I contacted the court and spoke with them and they let me know they have not sent any documents to me or them and there is no default judgement and want all paper work emailed to them immediately.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: THIS NOTICE SERVES AS A CEASE & DESIST : I refuse to pay this alleged debt and I am demanding that you cease all forms of communication with me through any medium unless it pertains to my remedy in writing via mail. On Wednesday XX/XX/2023 I received a letter in the mail from a company identifying themselves as : PORTFOLIO RECOVERY ASSOCIATES , LLC. The aforementioned also identified themselves as a debt collector attempting to collect from me. I do not now, nor have I ever entered into a contract with PORTFOLIO RECOVERY ASSOCIATES , LLC. As a consumer, this is a direct violation of my rights. How did you obtain my information? Who granted you the right to contact me in any matter assuming that I owe any alleged debts? Where is your proof of authority? I've never given my consent to furnish, exchange or assume anything on my behalf. This letter is an attempt to defraud, mislead, misrepresent and willfully and intentionally violate my consumer rights as expressed by the FDCPA. I've never consented or agreed to enter into any implied or expressed contracts with PORTFOLIO RECOVERY ASSOCIATES , LLC. I demand immediate removal of my information from your database and permanent deletion of whatever information you have pertaining to me as it was obtained unlawfully. No consent equals identity theft. I will not hesitate to file suit against PORTFOLIO RECOVERY ASSOCIATES , LLC and recover damages for : identity theft, fraud, personal injury. Furthermore, this company also accessed my consumer report on several occasions without my permission or consent. You will also be held civilly liable for knowing noncompliance as it states in 15 USC subsection 1681n : " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer for actual damages sustained ... ''
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have asked many times for the paperwork to show my personal signature on the documents they sent and portfolio Recovery Associates keep sending paperwork that don't provide my signature. I dispute this multiple times for the same reason and they never provide it to me it was acquired by them but can't provide me documentation showing my signature as proof that it be longs to me I have spent countless hours trying to clear this matter up and they keep sending the same paperwork without my signature on it I want it removed now of my credit report and a code to be put on to not added it back on each time I dispute it they add a new year on.
Company Response:
State: OH
Zip: 44903
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter from XXXX XXXX informing me that I had a credit card. At the time I did not question the legal ramifications behind it. I later found out that I was not the person who applied for the credit card. After some investigating I discovered it was my niece who applied for the card. I tried to inform the company but they told me I was responsible for these charges. I have applied for credit cards in the past and have always been denied. The only reason that this application was approved is that my niece used her job as proof of income. I have never lived at the address the credit card was originally sent. Nor have I ever worked at Understanding XXXX XXXX or XXXX XXXX. Now Portfolio Recovery is trying to collect on this fraudulent debt.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A