Date Received: 2023-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Subject : Request for Account Deletion Under Consumer Protection Laws Dear Portfolio Recovery Associates, I am writing to address ongoing concerns regarding the account ending in XXXX that you are currently managing. I believe there are valid reasons, in accordance with consumer protection laws, for the deletion of this account. Below, I outline the key points supporting this request : Verification of Debt ( FDCPA Section 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of the debt. Despite previous requests, I have not received the requested documentation, specifically the original contract with a wet signature. The FDCPA mandates accurate verification, and without this essential documentation, the legitimacy of the debt remains in question. Accuracy of Reporting ( FCRA Section 1681s-2 ) : The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer information to credit reporting agencies. Relying solely on credit card activity as proof may not be sufficient to meet the standards of accuracy outlined in the FCRA. I urge a thorough review of the information furnished to ensure compliance with the FCRA. Cease Communication Request ( FDCPA Section 1692c ) : Pursuant to the FDCPA, I previously requested the cessation of communications regarding the PRA account. If communication persists, it may be deemed a violation of the FDCPA, and I request immediate compliance with the cease communication request. Access to Original Contract ( TILA Section 1635 ) : The Truth in Lending Act ( TILA ) grants consumers the right to request and receive a copy of the original contract with a wet signature. I have not received this document despite previous requests, and I request its immediate provision. In light of these concerns and in adherence to the aforementioned consumer protection laws, I kindly request the deletion of the account ending in XXXX from your records. Please acknowledge receipt of this request and provide a timeline for the resolution of these matters. Your prompt attention to these issues is appreciated.
Company Response:
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: portfolio recovery associates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX have 4 accounts of mine in collection which is more than 7 years old but they keep reporting it on my credit report each month when they should have been closed and removed from my credit.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXXXXXX Dear CFPB, RE : Portfolio Recovery Associates , LLC Deceptive and Illegal Debt Collection Attempts. I have communicated through written correspondence three times with Portfolio Recovery Associates , LLC in response to a letter they sent me dated XX/XX/XXXX XXXX stating that they were attempting to collect a debt from me. ( See Attached First Letter from Portfolio ) Portfolio Recovery Associates , LLC is demanding money from me, and I have not received any validation from Portfolio Recovery Associates , LLC with regards to my XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX written requests for validation/verification and proof of their ownership of the alleged debt mentioned in their letter. In an attempt to collect a debt, Portfolio Recovery Associates , LLC did not inform me of my legal rights to dispute this alleged debt in their first written debt collection letter communication with me dated XX/XX/XXXX, nor did they make it easy for me to do so, which is a violation of the FDCPA. ( See Attached First Letter from Portfolio ) In an attempt to collect a debt, Portfolio Recovery Associates , LLC also didn't inform me in their first debt collection letter of how they calculated their amount, including any interest, that they are demanding from me, which is a violation of Regulation F of the FDCPA. ( See Attached First Letter from Portfolio ) In an attempt to collect a debt, the next day after my first dispute with them, Portfolio Recovery Associates , LLC illegally and unfairly reported their alleged account on my consumer credit file on XX/XX/XXXX, and falsely stated on my consumer credit file that they resolved my XX/XX/XXXXXXXX dispute. This is a misrepresentation by them as they never communicated with me at all within that 24-hour period between my first dispute and them reporting the account to my consumer credit file. This was a deceptive act! ( See Attached XXXX XXXX Credit Report ) In a letter dated XX/XX/XXXX, AFTER my dispute with them and 23 days AFTER Portfolio Recovery Associates, LLCs first communication with me about this alleged debt, Portfolio Recovery Associates , LLC stated that they received my dispute communication and that I had a right to dispute the debt. In the letter, Portfolio Recovery Associates , LLC stated that I need to dispute the alleged account with them again. This was confusing to me because in the same letter they admitted that they already received my first communication of dispute of their alleged account. In this letter, Portfolio Recovery Associates also stated that they are NOT attempting to collect a debt from me. ( See Attached Second Letter from Portfolio ) On XX/XX/XXXX, AFTER I disputed with them and AFTER their, XX/XX/XXXX letter stating they were NOT attempting to collect a debt from me, Portfolio Recovery Associates , LLC accessed my personal consumer credit report from XXXX without my written consent and without having a court order to do so. I never had any business transaction with Portfolio Recovery Associates , LLC for them to do this. Why and How did Portfolio Recovery Associates , LLC access my credit report? ( See Attached Portfolio Credit Pull of XXXX XXXX Credit Report ) Portfolio Recovery Associates is listed as the ONLY collection account on my personal consumer credit file which they are doing falsely, unfairly and illegally. Portfolio Recovery Associates , LLC also reported false dates of this alleged account on my consumer credit file. Portfolio Recovery Associates , LLC stated on my personal consumer credit report that this alleged account was opened XX/XX/XXXX, but had a first date of delinquency in XXXX of XXXX. This is impossible and proves that this account is completely inaccurate and false. ( See Attached XXXX XXXX Credit Report ) I have recently been denied credit from third party financial institutions because of this XXXX and only collection account that Portfolio Recovery Associates , LLC illegally parked on my personal consumer credit file, which has now caused me feelings of powerlessness, XXXX, and XXXX. Portfolio Recovery Associates , LLC is harassing, abusing, and oppressing me based on these actions they are doing to me. Portfolio Recovery Associates , LLC blatantly ignores my requests for them to explain why they are doing this to me, and they continue to illegally access and post false information on my personal and confidential consumer credit report without my consent. How is Portfolio Recovery Associates , LLC able to do this so easily to people? Because Portfolio Recovery Associates , LLC has not validated this debt with me, or provided me with any documentation proving that they have a legal right to collect any debt from me, shows me that this is a bogus debt and an illegal debt collection attempt. Portfolio Recovery Associates , LLC has violated my rights under the FDCPA, the FCRA and the New York State General Business Law Section 349 ( Deceptive Practices Act ). I therefore demand that Portfolio Recovery Associates , LLC remove all information regarding this alleged account that they placed on my personal consumer credit reports with Consumer Reporting Agencies forthwith.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They have a judgement from the small claims court, but I am unemployed still. They mailed me a application form called permanent hardship, and they're supposed to not contact and report me for 90 days. Yet they mail me and keeps calling me about my debt, even after i told them that i submitted an application, they always say that they will add a note but it seems like they didnt. As of this week, I already received XXXX applications in the mail since last month, i filled out and mailed twice now. I just lost my house, I am homeless, I have no job, my husband and mom in law consecutively died and I am XXXX XXXX XXXXXXXX XXXX. I believe that I should qualify to this program theyre offering and that this debt should be removed and hopefully them to stop calling me.
Company Response:
State: CT
Zip: 06705
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was contacted by Portfolio recovery regarding an outstanding balance. I had no recollection of their account or balance and assured it must be an error. I requested proof and breakdown of charges. They refused to provide that. I called the hospital in question, spoke to the XXXX XXXX and they're unaware of such charges. Portfolio recovery is trying to rob me of my hard earned money, is in breech of the no surprises act and violation of the new law implemented in XXXX regarding medical debt on a credit report. Now I have a bogus account on my credit report of XXXX thanks to portfolio recovery.
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account not mine, did not sign any contract with this company. I will file a complaint with the XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PORTFOLIO RECOV ASSOC XXXX XXXX, 2022 {$860.00} i call mailed ask for supervisors, never should no proof or true info
Company Response:
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Company name Portfolio Recovery Debt was through XXXX XXXX XXXX This company served me papers in XX/XX/XXXX. I called them and set up a payment plan. Which was never drafted. They sent me papers in the mail a month to 2 ahi XXXX or XX/XX/XXXX. These papers threaten to take any assets I had to cover my debt. I told them I had set up a direct draft payments in XX/XX/XXXX. They told me that the payments never came out that my bank wouldnt allow them. They said they have this issues like a security issue. I set up direct draft with them again. The payments arent being taken out again even with giving bank information and consent. I worry if my bank really is not allowing them that its a faulty company or they just arent really trying to take them to try to take all the money at once or my assets. I assume Ill be getting more legal threats in the next few months.
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: the debt collectors are calling about a debt for a card that was never owned or held by me, they call me on a day to day basis for it and i never owed the card account they asked for, i even requested them to verify the account but they still continue to call from multiple different numbers each call. I eventually checked on XXXX to see if it was on my file and i saw a XXXX XXXX XXXX in which i disputed and they eventually removed the card from my XXXX file since i had no connection to this account or debt. however, the debt collectors still harras me on a daily basis and attempt to take sensitive information from me.
Company Response:
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. XXXX XXXX XXXX Balance {$8800.00} Original Creditor : Not Available XXXX XXXX. # XXXX Opened XXXX Reported Creditor XXXX XXXX XXXX, XXXX XXXX, MN XXXX | ( XXXX ) XXXX Portfolio Recov Assoc Balance {$1100.00} Original Creditor : Not Available XXXX XXXX. # XXXX Opened XXXX Reported Closed Condition Creditor XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX
Company Response:
State: AZ
Zip: 85367
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A