Date Received: 2023-12-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.
Company Response:
State: TX
Zip: 78410
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XX/XX/2023 called and left message saying they are a law firm. When I called they could not provide me a State Bar No. to verified if they were indeed a attorney did indeed ask they to stop all contact of communication, they need to send me information 's to the so called debt, which they have refuse to send XX/XX/2023 again called and left a message saying they are a law firm. When I called back again ask for the State Bar No. to verified if they were indeed a attorney and did not provide me with information. started to harasse me about this debt. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again the same left message about saying they are a law firm...
Company Response:
State: TX
Zip: 78380
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Portfolio Recovery Associates has transferred an alleged debt to a litigation attorney despite my initial requests to cease phone calls to me and submit all documents to me via mail. I have also requested in writing that Portfolio validate the debt they allege that is owed to them via the attached letter to which I have never received any response with the requested documents and information. Although they have a pending case open, I still have not received any information validating the debt and the right to collect such debt. In my letter I also requested pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g that I dispute the validity of this debt and request that Portfolio provide me with the following information : 1. Verification of the Debt : - Please provide detailed documentation verifying the legitimacy of the debt, including the full account balance, the original creditor, and the nature of the debt. 2. Proof of Assignment : - Provide evidence demonstrating that Portfolio Recovery Associates LLC has the legal right to collect on this debt, including any agreements or contracts between your agency and the original creditor authorizing such collection efforts. 3. Complete Payment History : - If applicable, please provide a complete payment history for this alleged debt, including any interest or fees that have accrued. 4. Proof of License and Bond : - Confirm that Portfolio Recovery Associates LLC is duly licensed and bonded to collect debts in my state, and provide relevant documentation. I never received response and never received a notification or update to my credit report that the account was in dispute as I should have per FCRA Section 623. What I did receive was a notice that the account was transferred to litigation department and offers to settle. I can not offer to settle a debt that I have not confirmed is owed.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: the company is a charge off company I believe they keep spoofing my phone number on two of my phones now what I was told it was for XXXX XXXX XXXX and the company who bought their old accounts is portfoliorecov. I spoke with XXXX XXXX who informed me I do not owe them anything. these charges occured after I had already cancled my card 3 months prior. they said I owed XXXX dollars so I paid them XXXX $ last month which was fraudulent and not even mine just to get them to stop calling me I have proof with my bank and they said they never got anything which is a lie.
Company Response:
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: After multiple CFPB complaints, identity theft reports, cease and desist letters, Portfolio recovery associates is refusing to heed to ANY lawful command and acts as if they are above the law and do not have to abide by any laws set forth. I have received several restricted phone calls from them. As soon as i answer that i have a cease and desist order, they hang up. I received a call from XXXX today at XXXX from XXXX XXXX . Once i mentioned a cease and desist he wanted to place me on hold. This is unacceptable. ALL accounts with PORTFOLIO RECOVERY are to be removed immediately. I am also requesting {$1000.00} per phone call, as well as {$5000.00} for the time, resources, and anguish all this has caused. I am not going to go through putting all Previous communications below. FIND THEM YOURSELF. My next step is a police report for aggravated identity theft, fraud, and harassment as well as with the attorney general.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello. This debt collector did not provide me with proper depth validation for this allege debt. Please delete this from my Credit Report.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, I entered into an agreement with the plaintiff that would draft a payment out of my account once a month for the amount they are saying I owe. Shortly after this agreement I was served with papers that were a statement of claim. I filed an answer to the magistrate court stating that I have had a once a month deduction come out of my account to pay the debt they say I owe and I showed proof. I have now received a letter saying that I must go to court in XXXX or I will have a judgement against me. I have been trying to email and call these people since XXXX. I want this case dismissed because I am already paying and they draft the amount out of my account each month. I cant miss a day of work for this. I think they are not answering or responding because they want me to not show up and it be a judgment against me. They are sneaky and have been no help to me. When I have called I just get transferred to people that cant help me because they say its a legal matter. The court says that they will not dismiss the case unless they hear back from the plaintiff as soon as possible.
Company Response:
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a call from ( XXXX ) XXXX. The rep claimed to be attempting to collect a debt for XXXX XXXX. She gave me the information that the account was opened in XXXX The statute of limitations of debt in Texas is four years, which means thats how much time a debt collector has to file a lawsuit to recover the debt. Debt buyers must provide written notice if they are taking action past the limitations period. They may continue to call, but they cant actually take you to court after four years. This is NOT my debt. This call is a SCAM.
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This company is reporting 2 accounts but they are the same fraudulent account that is a result of An account that I DID NOT AUTHORIZE TO BE OPENED, WHICH RESULTED IN UNAUTHORIZED CHARGES, I HAVE NO KNOWLEDGE OF THIS ACCOUNT! IT DONT BELONG TO ME! I HAVE REPEATEDLY DISPUTED THE ACCOUNT REQUESTING TO REMOVE, THEY HAVE NOT DONE SO. XXXX XXXX Credit Card.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Didn't provide services promised
Subissue:
Consumer Complaint: Portfolio recovery associates XXXX on my credit report. I contacted them to tell them i wanted to pay my credit card off which was {$510.00}. I asked them could it be deleted off my credit report as if it was never there and not just reflect paid in full and they said yes. They sent me a letter stating that if I paid the full balance off they would remove it from my credit report from all three bureau 's. They told me that I had to wait XXXX days from the last payment made, Which I made the last payments on XX/XX/XXXX. Today is XX/XX/XXXX and it is still on my credit report. I have the letter From the email that I will attach. I have called portfolio recovery associates And they stated that they put in the Request for the trade line to be deleted from all three bureau 's. I waited XXXX weeks to see if it would be removed and it is still there.. I contacted experian and they stated that they have not received a request to remove that trade line..
Company Response:
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A