Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Under the FDCPA, when a consumer disputes a debt ( or requests more information about it ), the debt collector is obligated to provide certain information to validate the debt. This typically includes : A copy of the original written agreement : The creditor or debt collector should provide a copy of the original contract or agreement between the consumer and the creditor. This might be a loan agreement, credit card agreement, or other forms of written contracts. Proof of the debt assignment : If the debt has been sold to another creditor or a collection agency, the new creditor must demonstrate its legal right to collect the debt. This often involves providing an assignment, a bill of sale, or a receipt that shows the debt was transferred from the original creditor to the current one. If a debt is disputed, and a creditor or collector can not validate it, they are not allowed to report the information to credit bureaus under the FCRA.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing a complaint against Portfolio Recovery Associates LLC for failing to validate a debt they claim I owe and for continuing to report this unverified debt to credit bureaus. Their reference numbers are redacted as below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/23, I formally disputed the alleged debt and requested permissible evidence to validate it, such as original contracts with my signature, fingerprints, or other permissible proof that the debt is owed to them. Copies of statements or bills from an alleged third party are not sufficient evidence. Portfolio Recovery Associates LLC failed to provide any original documents or permissible evidence validating I owe this debt. Yet they continue to damage my credit standing by keeping these accounts on my record and reporting them to credit bureaus. This is a violation of multiple fair debt practices laws. Despite giving them ample time after my dispute, they have taken no action to validate the debts through legal means or to retract the unverified credit reporting. This false reporting has hurt my credit reputation and caused me humiliation. I demand Portfolio Recovery Associates LLC to permanently delete these alleged debts from their records, retract any credit bureau reporting, and cease any further communications regarding these unvalidated accounts. Please assist me in ensuring they comply within 15 days of receiving this complaint, or further legal action will be necessary. Thank you for your assistance, XXXX XXXX
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery periodically has harassed me for over ten years. At one point more than ten years ago, there was a small disputed debt from a divorce. I wrote to all XXXX major credit reporting entities to have this cleared. Ever since, I have periods where Portfolio will call me nearly daily. They have never stopped calling. In XXXX they tried to harass me into sending money while refusing to send me written explanation or documentation. I asked them to send a written explanation of the alleged debt. They never did. I have told them many times over the years to stop contacting me. I suffer from XXXX XXXX and this harassment causes me physical illness and terrible distress. have checked my credit report which appears to be good and untroubled. My credit score is good. Im not on any payment plans with any entity.
Company Response:
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a collection account from Portfolio recovery saying I owe XXXX dollars and the date opened is XX/XX/2020.
Company Response:
State: NJ
Zip: 08105
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This credit card was opened in 2017 as a secured card to help build credit history. It had a {$200.00} limit. While traveling to XXXX XXXX, I had stayed at a hotel and ordered room service. The food arrived raw, so I reported to the manager that I would like to send the food back and requested a refund. The manager assured me she would take care of it. When I got back from my trip, I noticed after a week or so the refund was not made so I called the hotel and they told me that the manager I spoke to no longer worked at that location -- apparently that was her last day and she had transferred to another hotel in another city. They said they would look into and get back to me. I then decided to call the credit card company to explain to them that this was an incorrect charge that should have been refunded, they also said they would look into this and get back to me. When I got my credit card bill I noticed they had charged me late fees, so I called them back and explained what was going on and they said they would investigate and get back to me. The next bill came and now they were trying to charge me over {$500.00} on late fees for less than {$200.00} that should have been removed/refunded months ago. Unfortunately, my father had passed away around this time and I was not able to follow-up continuously, the next letter was informing me that the account had been charged off ( I had been previously waiting for them to correct the charges and adjust the fees ) and now a third-party collection company -- XXXX XXXX -- was holding the debt and I had to speak to them directly. I sent letters to them and the credit bureaus again disputing the charges and explaining why this should have never happened, yet five years later they continue to be the ONLY XXXX mark on my credit report and keeping me from being able to build my credit that I now need for serious medical emergency. Could you please have this removed my credit report and have my name/credit reinstated as it should reflect given the circumstances. Thank you, XXXX
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This credit card was opened in XXXX as a secured card to help build credit history. It had a {$200.00} limit. While traveling to XXXX XXXX, I had stayed at a hotel and ordered room service. The food arrived raw, so I reported to the manager that I would like to send the food back and requested a refund. The manager assured me she would take care of it. When I got back from my trip, I noticed after a week or so the refund was not made so I called the hotel and they told me that the manager I spoke to no longer worked at that location -- apparently that was her last day and she had transferred to another hotel in another city. They said they would look into and get back to me. I then decided to call the credit card company to explain to them that this was an incorrect charge that should have been refunded, they also said they would look into this and get back to me. When I got my credit card bill I noticed they had charged me late fees, so I called them back and explained what was going on and they said they would investigate and get back to me. The next bill came and now they were trying to charge me over {$500.00} on late fees for less than {$200.00} that should have been removed/refunded months ago. Unfortunately, my father had passed away around this time and I was not able to follow-up continuously, the next letter was informing me that the account had been charged off ( I had been previously waiting for them to correct the charges and adjust the fees ) and now a third-party collection company -- PORTFOLIO RECOVERY -- was holding the debt and I had to speak to them directly. I sent letters to them and the credit bureaus again disputing the charges and explaining why this should have never happened, yet XXXX years later they continue to be the ONLY delinquent/derogatory mark on my credit report and keeping me from being able to build my credit that I now need for serious medical emergency. Could you please have this removed my credit report and have my name/credit reinstated as it should reflect given the circumstances. Thank you, XXXX
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There 3 alleged debts under my name and credit report with Portfolio Recovery Associates. Since the first alleged debt was bought by Portfolio Recovery Associates over 5 years ago. I have Requested NUMEROUS times ( via mail, phone ) on all XXXX alleged debts that they validate, verify and provide me with the original purchase agreement baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all XXXX credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They also sued me for XXXX alleged debt after the statute of limitations had expired in the State I reside in, i did not know about this suit and a judgment was ultimately ordered in their favor. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
Company Response:
State: SC
Zip: 29651
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have tried to resolve this issue with the debt collector and informed them that I was a victim of identity theft and I didn't open or give anyone permission to open this account. I asked for access to the account to see what was purchased and see how much credit was used and got no response, but just to pay it. Witch I refuse to do. I have absolutely no access to the account, it was opened up with fraudulent phone number and email address. I have disputed this in the past and got no were. I also found out that the account is still OPEN when I asked them Several times to close it. Because I didn't give them permission to open it. I asked what type of identification was used to open up the account. I noticed that the debt collector keeps adding late fees on the account. I feel that Debt collector is not being fair about this situation at all. I need to resolve this issue ASAP. can someone please assist me with this issue.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a call today from someone stating they worked for Portfolio Recovery and were calling about an alleged debt with XXXX XXXX. I currently have two credit card accounts with XXXX XXXX that have a perfect payment history and a former car loan that also had a perfect payment history. I do not know if the person was an imposter or real, but either way, I do not acknowledge the alleged debt as legitimate ; I wish for Portfolio Recovery to cease and desist all collection attempts, and I will sue if there are any negative items that appear on my credit report from Portfolio Recovery.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery Associates has not responded to the Affidavit of Truth that I mailed off to them on XX/XX/. An affidavit stands as truth in commerce when unrebutted. PRA will not even acknowledge that I sent one to them in which I know they won't attempt to answer it because they will be liable if they did in fact lie. This will be used against them if I have to take legal action against them. I have provided proof with receipts that I will attach. PRA is not even licensed to collect in Tennessee. I never did business with any business in XXXX Virginia. I never signed any contractual agreement with Portfolio Recovery Associates. They have no business using my name as a natural living breathing person. This debt does not belong to me. Portfolio Recovery Associates made a false statement saying they have no record of a request from me prior to their initial communication. I have receipts and proof that the statement they made is a false one. Portfolio Recovery Associates did not answer the questions within my Debt Validation Letter that I drafted and sent to them on XX/XX/. They received that letter on XX/XX/. They sent me statements AFTER I filed with the CFPB instead as if that response justifies them collecting the debt. Portfolio Recovery Associates is required as part of the debt validation period to cease all collection activities for 30 days. That includes removing the alleged account off of my credit reports while they are validating the alleged debt because it reflects that they are still collecting the debt in question in collections. They did not cease all collection activity. PRA has violated the Fair Debt Collection Practices Act. I have proof that the account was still posted even during the validation period.
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A