Date Received: 2023-06-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ask them to send verification of the debt they say I owe, they sent old copies of some old credit card statements over 10 years old, I asked them to stop calling me and my work place, they continue to call and harass me, about debt thats over ten years old, the company is Portfolio Recovery
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery keeps calling me but never leaves a message about why they are calling. They call from various numbers.
Company Response:
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried to remove these fictitious accounts place on my credit report by portfolio recovery services. They are attempting to match my social security with a name that is on the documents. There is no proof these documents are mine as the name they give is not mine therefore no court documents where ever received.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have asked this company to provide me with proof that this debt belongs to me, and to provide me with my signature and signed contract between myself and Portfolio Recovery Associates that would make me legally responsible for such debt. I have yet to receive the information that I requested. They have no right to collect on this debt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Company Response:
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery Associates was requested to validate the debt by providing a copy of the original purchase agreement and the original billing statement with the itemized charges on the following Incoming Call log dates and time : XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, and XX/XX/XXXX, at XXXX from ( XXXX ) XXXX. I mailed a written request for validation on XX/XX/XXXX. Portfolio misrepresented that they would provide these supporting documents and I had reasonable expectation to receive them within thirty days. This did not happen. Portfolio did not provide sufficient evidence to authenticate their ownership claim but brought forth a lawsuit using a generic bill of sale which is only one page long and doesn't contain the purchase agreement. I also, make claim the following : ( 1 ) Portfolio lied that I made 3 payments on this account. No payment has ever been made. ( 2 ) Portfolio entered into evidence a fake Promotional Purchase Summary dated XX/XX/XXXX ; However, in the body there are transactions listed as XX/XX/XXXX and XX/XX/XXXX. This is deceptive and should not represent or replace a purchase agreement. ( 3 ) In conclusion, Portfolio Recovery Associates are purposely misleading and using the court system to bring forth lawsuits to intimidate a payment or a default in judgement. Portfolio is attempting to enter into evidence the validity of an unsubstantiated debt. Portfolio is also attempting to collect on a debt without offering to provide necessary documentation to the debtor and has misrepresented that it would provide the offered validation document within the 30 days. Portfolio has initiated a debt collection lawsuit without possessing required documentation ( Purchase Agreement ) to authenticate and legitimize their ownership of the debt.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX - XX/XX/XXXX I got a credit limit {$160.00} and the account got closed with {$400.00} with late fees on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX got limit {$250.00} card was closed and affected my credit score because of the active card XXXX - XX/XX/XXXX credit limit was {$850.00} was closed with late fees and interest of {$1000.00} affecting my credit and sending me to collections Portfolio recovery associates reported unknown amount of {$1200.00} XX/XX/XXXX sending me to collections with debt buyer account status dont recognize this information Also another one for XX/XX/XXXX for {$420.00} and for XX/XX/XXXX for {$400.00}
Company Response:
State: TX
Zip: 78541
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Called my father on multiple occasions, telling him that I owed debt as well as what the debt was for. I am not a XXXX and my father is not listed on the account in question.
Company Response:
State: FL
Zip: 33830
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Contacted via phone and email along with written correspondence sent via certified mail. Including identity theft paperwork sent by them .. I also dont included police records # and Identity theft report #
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX ) Debt does not belong to me
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A