Date Received: 2023-06-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Portfolio Recovery is not licensed to collect debts in Florida, they have hired a law firm in wisconsin to come after me for an old {$4500.00} credit debt that portfolio purchased.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio recoveries has been calling me non stop for the past year XXXX for debt that is not mine. I verified several times that the address and social security number associated with the debt is not mine. They will not stop harassing me.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I do not have a contract with Portfolio Recovery Associates, they did not provide me with the original contract as I requested. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C : 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.
Company Response:
State: IL
Zip: 60090
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: According to multiple Government reporting agencies, Portfolio Recovery Associates Inc is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state.
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Letter of Removal Dear Portfolio Recovery Associates, I am writing to formally request the removal of my debt from your records and the cessation of any further collection activities related to the alleged debt. After careful consideration and several attempts to resolve this matter, I have discovered multiple issues that raise concerns regarding the legitimacy and legality of the debt collection process. Firstly, I have sent three dispute letters to Portfolio Recovery Associates regarding the lack of proof of the alleged debt 's profitability. Despite my requests, I have not received any satisfactory evidence or documentation supporting the validity of the debt. This failure to provide essential information raises serious doubts about the accuracy and legality of the debt in question. Furthermore, upon conducting thorough research, I have found that Portfolio Recovery Associates lacks the necessary license in California to collect on a debt. As per the information provided on your website and various regulatory documents, there is no mention of Portfolio Recovery Associates holding a valid license for debt collection activities in California. This oversight further undermines the legitimacy of your claim to collect the alleged debt from me. Based on the aforementioned reasons and the absence of proper documentation, I kindly request that you immediately : Cease all collection activities related to the alleged debt. Remove any negative reporting on my credit profile associated with this debt. Confirm in writing that the debt has been nullified and no further collection attempts will be made. Failure to comply with this request may result in legal action being pursued against Portfolio Recovery Associates for violation of debt collection laws and regulations. I expect a prompt response within [ number of days, e.g., 30 days ] from the receipt of this letter. Please send all correspondence regarding this matter to the address mentioned above or via email at [ your email address ]. Additionally, I request that all future communication be conducted in writing to maintain a clear record of our interactions. Thank you for your immediate attention to this matter. I trust that you will handle this issue professionally and in accordance with the law. I look forward to receiving written confirmation that this matter has been resolved. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: PRA - Portfolio Recovery Associates LIED TO YOU when they responded to you regarding complaint number XXXX submitted XX/XX/2023. They stated that they were negotiating with my attorney per my request. I do NOT now have an attorney, nor did I have one when they responded to you and they knew it and I can PROVE IT and you just tacitly accepted that they were telling the truth after you just fined ther {$24.00} XXXX in XXXX fo illegal and dishonest business practices. This complaint is IN ADDITION to my complaint
Company Response:
State: MO
Zip: 644XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I ask Portfolio Recovery Associates to validate a debt that I supposed to own. They never did. I mailed a letter out certified onXX/XX/2023. it is now XX/XX/2023 and I never received anything in the mail. They are still trying to collect on this debt, without providing any validation.
Company Response:
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I recently put in to settle a debt that has been on my credit report it said that it was sold to portfolio recovery llc i went on the website and was able to make payment arrangements to pay XXXX a month today was my first payment but i received no receipt from them so i went online to view the account and could not get on i contacted live chat and spoke to XXXX and was told that my account was not eligible to be viewed online but amazingly i was able to sign up to make payment arrangements and then i told him that i would need to receive receipts for these payments something showing that im.making these payments and what the balance is and im being told that i can not receive those either and that due to my states laws i can not receive receipts or statements i have never heard of such nonsense and so they can pretty much take whatever amount for however long cause i would not know what my balance is without a receipt and then being told he would have to speak to a supervisor to possibly receive any form of paperwork about this debt i am very concerned because they have my credit card now and dont want to provide me any information about my bill i really need help in this matter
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am writing this in response to a recent communication received from XXXX XXXX, dated XX/XX/XXXX, which claims that I owe a debt to them that has allegedly been sold to Portfolio Recovery Associates. I dispute the validity of this debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been consistently making payments towards the alleged debt, as per my records and bank statements, directly to Portfolio Recovery Associates, pursuant to a payment arrangement established on XX/XX/XXXX. This arrangement was made with Portfolio Recovery Associates, and I have diligently upheld my payment obligations in good faith. Per the FDCPA, Section 809 ( b ), I request that you provide me with a written validation of this alleged debt. This validation should include the amount claimed, the name of the original creditor, and any relevant documentation that supports your claim. Until such validation is provided, I request that all collection activities, including reporting this debt to credit bureaus, be immediately halted. Furthermore, I also demand that the entry of this debt on my credit report be removed in compliance with the FCRA, Section 623 ( a ) ( 1 ) ( B ). As per this section, information that has been reported inaccurately or can not be verified must be removed from the credit report. Since XXXX XXXX claims that I owe the debt to them, it indicates an inconsistency in the reporting and raises questions about the accuracy of the information.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have no debt owed to anyone that has contacted me. Portfolio continues to use Ghost numbers that do not show it is them. And since I have employees that travel I have to answer in case they are in need of something. My debts have either all been paid or were purchased years ago by Portfolio and have expired. I do not now or have I in the last yars received any mailing concerning a debt owed. Plus I have never approved any lender sending something to a third party.
Company Response:
State: IN
Zip: 46222
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A