Date Received: 2023-12-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Was notified by phone from a debt collection company called Portfolio Recovery Associates , LLC about a debt that I've never heard of or received a bill for. Nor, have I ever had an opportunity to dispute the debt, or, seek or ask for proof of the debt. I have now been served papers to appear in court. The State Attorney General 's office explained that in order for them to sue me in court, from out of state, they must have a Surrity bond on file. The company is based in XXXX Virginia, XXXX XXXX XXXX XXXX Ph : XXXX Web : XXXX Email addresses : XXXX XXXX XXXX
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: We have stated to Portfolio recovery 3 times to cease and desist as we are represented by council. Portfolio repeatedly called me in an attempt to collect the debt.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have dispute this inaccurate account since XXXX, XXXX, XXXX, & XXXX of 2023. I requested proof of the invetigation and they failed to send me the proof several times. They keep on re aging this inaccurate account, They have not updated and verified the date of last activity. This is illegal and my rights are actively are being violated. late payments are not supposed to reflect on a supposed charged off account?
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was trying to get a personal loan to consolidate my credit card debt and I was denied because of the damages on my report According to 15 USC1681 LAW there should not be any damages. This is a defamation of character.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Im really worried that PORTFOLIO RECOVERY is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX, have the right to privacy. PORTFOLIO RECOVERY has committed infringement upon my consumers right to privacy. I, XXXX XXXX XXXX never granted consent to PORTFOLIO RECOVERY to contact me. PORTFOLIO RECOVERY has/ or purchased my private information without my consent. I never contracted with PORTFOLIO RECOVERY. PORTFOLIO RECOVERY is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand PORTFOLIO RECOVERY to VALIDATE this alleged debt. PLEASE BE ADVISED THAT I AM REQUESTING VALIDATION, NOT VERIFICATION OF ALLEGED DEBT. If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. At this time I also asked for PORTFOLIO RECOVERY to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
Company Response:
State: CA
Zip: 95405
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against ( insert name of collection agency ) ( Account # ) for knowingly reporting inaccurate data to the credit bureaus. My credit profile is being negatively affected by these penalties, and this appears to be suspicious and deceptive behavior. I am demanding proof of valid authorization/proof of alleged debt. Reporting this information without proper disclosure requirements is in direct violation of my consumer rights. I am legally requesting a description of the details of the verification process used to verify this alleged account. I am also requesting that you provide me with the forward flow agreement between you and the original creditor, since this debt was purchased by you and I have no contract with you. Purchasing of this debt from the original creditor, XXXX XXXX XXXX, does not guarantee that the information is accurate. Federal law requires you to respond to this complaint within 30 days. Failure to comply with these federal regulations by FTC USC 41 ET ESQ. I am maintaining a careful record of my communication with your company. I have attached documentation to this complaint. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Every day ( and sometimes multiple times per day ) I receive phone calls from numbers with seemingly random area codes. I am currently looking for a job and can not afford to screen my calls in case one of them is a prospective employer. These calls come in at very inopportune times, often waking me up or waking up my partner who works overnights. I also have relatives with declining health and am an emergency contact for many of my loved ones. I often do contract work that requires me to be on call, and if I do not answer the phone I will lose my contract. Having to run out of church to answer my phone is very embarrassing and disrespectful. Getting unnecessary calls while at work looks unprofessional. Interrupting our sleep is affecting our mental health. Every time a number calls that I do not know my heart drops because I am terrified something has happened to a loved one, or that there has been an emergency of some sort. To top it off, the callers will remain on the line long enough until a voicemail is left on my phone, which causes the box to be full constantly. If I forget to clear it, I miss valuable and potentially life changing information. I have asked these people to stop calling me, and it has been going on so long that I no longer remember which companies are calling me and what the call is about, because if I ask for the purpose of the call, they respond by first asking me to identify myself. If I do not identify myself without knowing the nature of the call, they state that they will try again later, or simply hang up. Here is a short list of numbers that have called me, with dates/times : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Basically this has been going on for a year or two and if they really want my money they should stop interfering with the activities that actually EARN that money. I'm not sure what other information I can pass along that could help and I wish I could remember the specifics about who these people are and what they want but after everything they have put me through I have long since given up on the matter.
Company Response:
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to express my deep dissatisfaction and concern regarding Portfolio Recovery Services LLC ( PRA ) handling of a debt validation request and their subsequent reporting on my Experian consumer report. My attempts to rectify the situation through correspondence have unfortunately proven futile, prompting me to escalate this matter and file a formal complaint. On XXXX XXXX, a debt validation letter ( Exhibit A ), seeking clarification on the reported debt of {$870.00} on my XXXX consumer report was received by PRA. Regrettably, PRA responded with an unsigned letter ( Exhibit B ) & ( Exhibit E ) asserting the validity of their claim, accompanied by misleading and confusing information. The key issues with their initial response are as follows : PRA 's response contained conflicting statements, as they asserted to be both the current creditor and a debt collector. This contradiction raises concerns about the accuracy and transparency of the information provided. Despite my explicit request in the debt validation letter for a breakdown of the amount owed, PRA failed to provide a clear breakdown of how they calculated the debt. Instead, they supplied eight random statements with varying balances, ranging from {$490.00} to {$830.00}. This discrepancy further adds to the confusion and misrepresentation of the debt in question. The alleged demanded debt is being reported with a {$870.00} balance, but no proof of this calculation was presented in their documents. Subsequently, on or around XX/XX/XXXX, I submitted a second letter ( Exhibit C ) to address these issues and request a thorough investigation. However, PRA, in their response, ( Exhibit D ) not only refused to investigate but also insisted on continuing to report unverified and adverse information on my consumer report. The continued reporting of inaccurate and unverified information by PRA has resulted in credit denials and severe financial stress for my personal business. It is my firm belief that as a consumer, I am now a victim of PRA 's ongoing violations of the Consumer Financial Protection Bureau ( CFPB ) order mandated in XXXX ( CFPB XXXX XXXX ). No Contract exists between me and PRA, also this debt is an alleged debt that PRA has chosen to pursue without a lawful claim.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/2023 I received a civil summons from XXXX XXXX XXXX, as Portfolio Recovery Associates LLC as the Plaintiff and myself as the defendant. Several items were sent to me but not all required documentation according to the Consumer Financial Protection Bureau. I responded with a certified letter to Portfolio Recovery Associates LLC., asking for validation of the debt. I havent received any information from Portfolio Recovery Associates LLC., in writing verifying the debt according to the Consumer Financial Protection Bureau . Also according to the CFPB, once I disputed the debt, the debt collector has to stop all debt collection activities until it provides me the verification of debt. Well as of XX/XX/2023, I have a court date scheduled for XXXX XXXX from Portfolio Recovery Associates LLC., still taking legal action against me without providing all verification of debt according to the Consumer Financial Protection Bureau .
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Today, XX/XX/XXXX, I attended a Small Claims lawsuit hearing brought against me by Portfolio Recovery Associates LLC, represented by XXXX XXXX XXXX. In the Small Claims document it states that I owe {$810.00}. I explained to the lawyer that I have a document sent to me from Portfolio Recovery Associates LLC on XX/XX/XXXX that states I owe {$850.00} and that the telephone number on the Small Claims document is not mine. It is an Iowa number and I have never lived in Iowa. He said that sometimes minor discrepancies like these happen but that I still have to pay. I asked that he present documents showing that the debt is mine and that I formally deny that the debt is mine. He went on to explain preponderance of evidence and that he was sure I would have to pay regardless of the errors. He assigned a trial of XX/XX/XXXX. He said XXXX XXXX would me validation of debt package. In addition, I am XXXX XXXX XXXX, retired and my only income my Social Security monthly benefit. I would like CFPB 's help in this please.
Company Response:
State: MA
Zip: 02745
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A