Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Unfortunately, my vehicle was stolen in XXXX and again in XXXX. To make matters worse, my wallet was inside the vehicle at the time, which contained my Social Security card, driver 's license, and passport. As a result of this unfortunate event, I have become a victim of identity theft. Unauthorized individuals have opened multiple accounts and undertaken various activities under my name without my consent or knowledge. I am extremely concerned about the potential consequences and implications of this situation. I urge you to take immediate action to address this matter and provide any necessary assistance. I kindly request that you freeze any accounts associated with my name and take appropriate measures to prevent further unauthorized activities. Additionally, please let me know if there is any documentation or evidence required from my end to rectify this situation promptly. Furthermore, I would greatly appreciate if you could share any recommended steps or procedures, I should follow to mitigate the damages caused by identity theft. Any guidance or support you can provide in this matter would be invaluable to me. I understand that dealing with cases of identity theft can be complex and time-consuming, but I truly hope for your swift action and utmost attention to this matter. I trust in your expertise and ability to handle such situations efficiently. Your immediate attention to this matter is of the utmost importance to me. Please acknowledge the receipt of this email and indicate the steps you have taken to address the identity theft and unauthorized activities. Thank you for your understanding and cooperation. I eagerly await your prompt response. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i have been harassed by phone and by mail, in which it is mail fraud, they have harmed me and my character financially for several years, this 3rd party debt collector ( PORFOLIO RECOVERY SERVICES ) falsely claims i owe them money b/c they bought several chargeoff accounts, which in fact were paid in full by the previous creditors insurance! they paid pennies on the dollar for these ( XXXX ) paid in full/chargeoff accounts and intends to fraudulently extort money from me, in which i have no contract with them or have never even had any dealings with them ai all!! contractually, one must borrow from that individual a certain amount o money in order to owe tem that amount of money, FACTS!! this company has always operated unprofessionally for a long time, many lawsuits have been filed against them for fraudulent behavior pertaining to their practices within the debt collection industry. i have been held back rom buying a home, getting other credit opportunites, credit offers and my reputation being tarnished only b/c they have constantly been reporting negatively and adversely on my consumer/credit report.i need them to stop harassing me by phone and by mail, i have sent them responses to their false claims and all they do is sell the same assumed debt to another one of their subsidiaries to start the fraud ball rolling again, i want them stopped, i want my credit report to be rid of XXXX XXXX!!!
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
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: 33172
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates , LLC sent me a bill dated XX/XX/23 saying I was in collections for a bill from XXXX XXXX for the sum of {$1100.00}. While I do have a credit account with XXXX for XXXX XXXX, it is in good standing according to both my records and XXXX, and the balance is nowhere near that amount. Therefore, this is either a mistake or fraud. Considering the details, fraud seems more likely. I haven't contacted PRA because previous experience with collections companies has shown that they won't be interested in the facts, only the money.
Company Response:
State: OR
Zip: 97355
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: According to FCRA 15 USC 1692a, Communication is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. Also FCRA FCRA 15 USC 1692c states that 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, also in this section in regards to ceasing communications, ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. PRA has admitted to receiving a cease and desist order from me in a previous complaint XXXX as it pertains to this alleged debt. They are directly responsible for the reporting of this debt to the consumer reporting agencies and therefore are responsible for the information being removed from those same agencies. FCRA rules clearly support the fact that reporting this information to a credit reporting agency is communication of the debt, furthermore it is communication to a third party. I have not, under any circumstance, given PRA permission to report this alleged debt.
Company Response:
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not responsible or liable for this debt with Porfolio Recovery Associates, I don't have a contract with them, they did not provide the original contract as I have requested
Company Response:
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: For an extended period, I've been experiencing incessant harassment from Portfolio Recovery Associates about a supposed debt I unequivocally dispute. I have no collections recorded, neither currently nor in my past credit history. Despite my explicit request for a debt validation notice, they continue to reach me through a multitude of numbers at various times : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Moreover, I've been registered on the 'Do Not Call ' list since XX/XX/, which only highlights the impropriety of their repeated calls.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: On XX/XX/XXXX, PORTFOLIO RECOV ASSOC Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX. Contact me, stating they were of Govment agency and that I would have an arrest warrant sent to me if I didn't pay them or make arrangements to do so. I owed a debt to their client, and they would arrest me if I didn't pay or negotiate with them. After Speaking clearly to them, I asked them to remove my phone number do not contact me anymore after that, asking them if it is, in fact, indeed my debt to please send an original copy of the account from the original debt and a signature and address and transaction of the report, I spoke to a rep over the phone at XXXX XXXX on XX/XX/XXXX, the rep stated that the account was open XX/XX/XXXX address was XXXX XXXX XXXX XXXX XXXX, I have not lived at that address and do not know if anyone in that area. This account was open and fraudulent and is not associated with me ; however, the agent stated she could not send me the document in the mail.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio Recovery Associates , LLC violated most of the options listed while trying to collect an alleged debt of {$2200.00} from XXXX, but my main complaint is not one of the listed options. I know PRA has done the similar things to many people, including XXXX XXXX, who was awarded {$82.00} XXXX in punitive damages by a jury in XXXX. This issue should be addressed. My main complaint is that after I filed a lawsuit under the FDCPA, invasion of privacy on seclusion and outrage, on XX/XX/XXXX, PRA used litigation tactics that were unethical, illegal, deceitful and meant to inflict severe emotional distress. PRA was represented by outside counsel, The XXXX XXXX Firm in Arkansas and XXXX XXXX from Virginia ( AKA XXXX XXXX ). On XX/XX/XXXX, XXXX XXXX issued a blog post that said, in part : " According to the CFPB, entities can not take unreasonable advantage of circumstances where people lack sufficient bargaining power to protect their interests. " The policy statement describes such circumstances as when consumers do not elect to enter into a relationship with an entity, '' and specifies debt collectors. PRA used my lack of legal training, financial distress caused by the COVID related stock market crash, and my ill health, including diagnosed XXXX disorders and XXXX 's XXXX, to bully me in court. PRA also capitalized on the opportunity of a judge who is notoriously anti-consumer and anti-CFPB, XXXX XXXX XXXX XXXX. PRA threatened me with having to pay its " significant '' attorney 's fees. A copy of the email is submitted. PRA filed a motion for the Clerk to tax {$8300.00} in costs to me. I am going to appeal the summary judgment, but thus far, PRA has ignored my request for them to stipulate to a stay of the cost motions until after the appeal. PRA has never produced Old Account Level Documentation that shows what was purchased to incur the debt or the vendor who was paid by XXXX XXXXXXXX XXXX. PRA has never produced a credit card agreement and specified it does not have the credit card agreement. Before I filed suit, PRA sent its identity theft and fraud letter to me, with directions to answer the intrusive questions under penalty of perjury and notarized or witnessed. I refused because PRA did not tell me where the debt was incurred or what it was for. Even if I could deduce who committed the fraud, the statute of limitations to file criminal charges on the person had passed, and it would be extraordinarily difficult to collect evidence. The only purpose I saw in having me fill out the details, including my social security number, all previous addresses, and so on, was for PRA to use against me in trying to collect the debt. The letter was backdated. After I filed suit, PRA sent three more backdated letters that said it " concluded its investigation '' and closed my account and set the balance to zero. But the first letter informing me of this was addressed to " XXXX XXXX '' instead of " XXXX XXXX '' and had a different account number on it. I was fooled into thinking my account was closed. When I went to document the letter, I noticed the error. When I asked for a correction, PRA changed the wording. After my next request, they gave me another letter with the original wording and with my name and account number. Copies submitted. Eight months after I filed suit, PRA produced a single account statement mailed to an address where I never received mail, that showed a balance of {$1900.00}. They said XXXX XXXX gave it to them and got XXXX XXXX to submit an affidavit, but XXXX XXXX had told me many months earlier that it had no OALD at all. ( Recorded ) PRA withheld and altered other documents. The company records filed under seal do not have each call made on PRA 's self-generated phone log documented on PRA 's notes. A representative told me the notes have an entry that I filed for bankruptcy, though I never filed for bankruptcy. That entry is not in the documents filed under seal. PRA admits to calling a landline at my past residence in Arkansas hundreds of times. But, it claims it did not call my California cell phone for a seven year stretch with the first call they admit to being on XX/XX/XXXX. I recorded that call, after setting up my computer. ( There is a minute pause on PRA 's recording of the call. ) The reason I spoke to PRA on a recorded line was because they had called me about a hundred times from XXXX to XXXX. About 85 of those calls I blocked and they went to voice mail. PRA would not produce a third party record of its calls. I got my cell phone record and found fourteen calls that came from PRA, that don't appear on PRA 's phone log, and each of the numbers those calls were placed from were disconnected. In fact, all the numbers PRA called me from were disconnected. XXXX XXXX, in his order granting summary judgment in PRA 's favor, truncated a sentence to distort my testimony, then PRA repeated the falsehood. Eventually the judge admitted the sentence was truncated, and then said the complete sentence had a different meaning than the meaning given by XXXX 's OpenAI and the opposite of what I meant. PRA requested and XXXX XXXX approved of making many of the business records under seal, against my heavy protest. It is difficult to write this complaint and complaints to other agencies with the confidentiality restrictions and the public can not make an informed decision about who is telling the truth. That is why I am using the awkward way of saying what was not in the documents, instead of what was in the documents. After I filed a motion for partial summary judgment on the single issue of misrepresentation of the amount of a debt, PRA lied, saying it " waived '' my debt " in light of the litigation '', even though it did not issue a 1099-C to me in the two years since. PRA hired an " expert witness '' who is a hired XXXX. He made a diagnosis that contradicted the diagnosis of my medical providers. The Psychiatrist they hired was not licensed in Arkansas, and the Arkansas medical board told me ( recorded ) that out-of-state doctors can review records, but not diagnose. The report is filed under seal and I am only allowed to share it with law enforcement and the various medical boards and committees on professional conduct. But I am willing to share my version of what happened during the horrific Defense Medical Exam with the CFPB in confidentiality. PRA posted my credit report, marked " CONFIDENTIAL '', and another document that had my full unredacted social security number and birthdate on PACER. When I complained, they said it was an accident. There is so much detail that I will give the case number and my blog address, where I write about the case and other instances of corruption in courts. I will then make bullet points of specific misconduct on my request for a fair resolution. XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX. XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Under law FDCPA ) code ( 15 U.S.C. 1692 Re : XXXX XXXX XXXX Hi, To whom this may concern, I am writing this letter to Portfolio Recovery Associates and all three credit bureaus XXXX, XXXX and XXXX. To inform Portfolio Recovery associates that I have never been in contact with them or there debt collection agency. Until today. I have disputed your debt collection reporting agency as I have no clue who Portfolio Recovery associates is. I have never received nor sort of mail or any sort of communication from Portfolio Recovery associates indicating they have took over any sort of " debt '' I may " owe ''. I also have included XXXX XXXX my credit card company which I paid on time on a monthly basis in this email to my knowledge this account should have been paid in full. Overly paid off. I was reaching out to XXXX XXXX a few times prior to my credit being Tampered with indicating that I am very aware how my payments were not showing off as paid off to my account or credit card company. Each time I will make a payment to my XXXX XXXX account the following month I will owe more money. I am very aware of the fraudulent activity that has been occuring and I never have been in contact with PORTFOLIO RECOV ASSOCIATES up until today. I have disputed portfolio recovery associates. And I will sue portfolio recovery associatesXXXX XXXX XXXX for fraudulent activity. I will also be filing a police report with this letter. And will be reporting this as fraudulent activity. I XXXX XXXX XXXX indicate that once I was reporting fraud and my payments not going down to my XXXX XXXX account that I was not able to have access to my credit accounts and fraudulent activity was occuring I XXXX XXXX XXXX also indicate that I have had a credit freeze on all three of my credit bureau accounts since XX/XX/2023 as well as I do have a open fraud alert on all three of my accounts. I do not see how any of this is possible? Without validation. Authorization orauthentication?
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A