Date Received: 2023-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed these debts with XXXX, XXXX and XXXX 9 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023 The following collection : Portfolio Recovery Assoc {$620.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: For several months, I have been receiving daily robo-calls from a variety of numbers that XXXX tells me all belong to Portfolio Recovery Associates , a debt collector. I don't answer, and no message is ever left. I have never received any written notice from this company specifying what they believe I owe. In fact, I owe no one anything. I have checked my most recent credit reports and those of my husband. Neither Portfolio Recovery nor anyone else ( except for our mortgage holder ) is listed as a creditor. Neither of us has any late payments -- both my husband and I have credit scores above 800. XXXX has also informed me that Portfolio Recovery is an unethical and problematic company, which is why I haven't tried to settle this with them. I have no desire to engage. Calls received have come from these numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Your continuous inaccurate reporting is severely damaging my financial character. You are reporting information to my consumer report without permissible purpose. I have never provided you with explicit consent to communicate with me in regards to a collection of any debt. Follow reasonable procedures in good faith, Failure to comply will result in a private right of action.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery Associates LLC XX/XX/ sent mail for XXXX XXXX to payment XXXX in Texas. A state they are not licensed to collect.
Company Response:
State: TX
Zip: 790XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with XXXX XXXX XXXX and I want my money back. Was never given XXXX for any of these debts. I believe these companies are committing tax fraud.
Company Response:
State: MO
Zip: 64050
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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: Portfolio Recovery Associates is not in compliant, see attached documents that is sent. Sent CFR 1006.34c, the dispute letter, it was sent directly to PRA , On this Date XXXX XXXX PRA received this XXXXetter pre'se CFR 1006.34c, Portfolio Recovery is required by the FDCPA to produce all the disclosures in your law. Portfolio Recovery has not provided any disclosure which is a violation of 12 CFR 1006.34c, so this now leading me to believe that Portfolio Recovery is above the Federal Law, above your laws, which is not the case. Furthermore, Portfolio Recovery didn't use the Model Form B1, and its requirements and its new law the FDCPA Which was updated XX/XX/2021. On Numerous occasions Portfolio Recovery Associates did not provide the required disclosures to me, Portfolio failed to provide any disclosures. they failed to use the Model Form b1 and they not response to any dispute I sent properly, Making representation about unsubstantiated debts failing to review the required documents to support the claim, not showing any proof that i actually owe any alleged debt, Portfolio Recovery Associates attempts to collect on unsubstantiated inaccurate debt pressuring with false statements, states incorrect balances, interest rates, and payments due dates in attempting to collect, thats it. just want to collect without first conducting any investigation to determine whether the debt were accurate and enforceable. This why I am Making a complaint with the CFPB because PRA inability to follow the law for Portfolio thinking they are above the law and furthermore they have been noncompliant and they have no regards for the laws, so this is whhy I am writting you the CFPB regarding this Matter
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon receiving my credit report I noticed some accounts that I didn't recognized and I made a police report and notified the companies. I asked via USPS on several occasions requesting validation of the debt that shows that I am indeed the correct person that opened the accounts. I have not received anything that I've requested. I know my rights and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advise I wanted to contact your agency for guidance.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Portfolio recovery has reaged a very old account and continuously reports its to my credit report which I did not give consent to do so. They continue to contact me at work, when I answer I inform them Im at work and they continue to call.
Company Response:
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Investigation Request to Delete wrongful collection account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT COLLECTIONS ACCOUNT The accounts below are reporting incorrectly please investigate these : 1. PORTFOLIO RECOVERY ASSOCIATES- XXXX XXXX XXXX, XXXX XXXX VA XXXX ( original alleged creditor : XXXX XXXX ) Account number : XXXX ( date alleged open : XX/XX/XXXX ) ( Alleged balance : XXXX ) I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. Attached is identity theft report and credit report. Truly, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Portfolio Recovery Associates LLC representing XXXXXXXX XXXX for XXXX XXXX XXXX last for digit XXXX Account was charged off on XX/XX/2016, due to illness in the family XXXX XXXX XXXX XXXX XXXX, the account holder chose life over debts and became the care giver for the XXXX patient. The account went into default, there were no communication from Portfolio Recovery Associates LLC written or verbal, its been 6 years and they scout my profile in different ways, got my last job and try to garnishee, which was XXXX XXXX XXXX, and during the filing from XXXXXXXX XXXX to Portfolio Recovery Associates LLC they went through Legal and garnishee my Checking and Savings of what little I have of a total combined of {$400.00}. What happen to the statutory law in Hawaii of 6 years. Now I'm broke.
Company Response:
State: HI
Zip: 96813
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A