Date Received: 2023-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was served with a court summons for a debt originally with XXXX XXXX. First, Portfolio Recovery Associates , LLC never contacted me whatsoever prior to this court summons. I received not a single call, email or mail correspondence from them and they provided no such documentation in the court documents. Second, I contacted XXXX XXXX over a year ago, in roughly XXXX of XXXX to report a fraudulent line of credit and charges that occurred out of state that were not mine. I was told by XXXX XXXX that the account was closed with a XXXX balance ( I was also told this by XXXX XXXX yesterday XX/XX/XXXX ). I have been locked out of this XXXX account for over 2 years therefore having no view of any additional activity that may have occurred and Portfolio Recovery Associates , LLC also provided no such documentation in the court documents they had me served with. I have no access whatsoever and have not had so, to any itemized list of charges for at least 2 years. After investigating this more on XX/XX/XXXX, Portfolio Recovery also added a {$5100.00} debt to my credit report, again after never contacting me about this! I did not open a line of credit with XXXX XXXX whatsoever and both this line of credit and the charges, especially out of state charges, as due to identity theft. I report was filed with the FTC Identity Theft Dept. and the report number is XXXX. A complaint was also filed here against XXXX XXXX for mishandling this situation over a year ago. I spoke to XXXX, Manager of the XXXX XXXX Fraud Department yesterday, XX/XX/XXXX, with an employee ID of XXXX who apologized for this issue as again, he showed my account was closed, showed a XXXX balance and confirmed I've had no access to the account, didn't even have access to a XXXX XXXX account number ) the only number I have is the last 4 digits Portfolio Recovery Associates , LLC included in their court documents- the full account number hasn't ever been provided to me ). XXXX XXXX has once again opened a claim as fraud and advised I'd receive a letter from them confirmed the investigation is underway. The results of the investigation, however, can take up to 60 days. I attempted to reach out to Portfolio Recovery Associates to inform them of this situation and they will not take my call. As soon as someone answers, they hang up on me! I don't have an email address that I can find to reach out that way.
Company Response:
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: THIS COMPANY HAS LIED! I sent them a notice to cease all communications as described in the FDCPA and they have responded to the cfpb that they would " honor '' my request and that they were going to stop communicating with me. They lied because they are still communicating with me about the alleged debt, The account goes as follows : XXXX. It is still reporting on my consumer reports which is a violation of the FDCPA due to indirect communication to the consumer. The fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. This company stated that they do their best to ensure that they follow all federal and state laws but clearly I have just caught them lying. I have attached exhibits proving my claim. Please direct your attention to the date they last reported which was a couple of days AFTER telling the cfpb that they would cease communications! This company is predatory to consumers and must be stopped.
Company Response:
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I demand that this company cease all communications with me both directly and indirectly on any and every medium as described in the FDCPA. If this is not done, this company will be in further violation of federal law because as the fair debt collection practice act states, communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Communicating with me via credit reporting is a violation of this act and I will seek compensation if you do not cease as I have a right to financial privacy.
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: company is being harassing with repeated calls. Ive blocked number but still receiving calls. they refuse to provide any type of documentation. Additionally, ive not done business with profile recovery or aware of any debt. The harrasing calls and other forms of communication have been ignored. This company is harassing me and my family for money.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: On numerous occasions portfolio recovery has called me ( repeatedly like numerous times daily ) saying I owe them money and if I don't pay they will file a lawsuit against me as well as threatening jail time towards me. I have mailed a few letters to them since they said I ca dispute by mail and in my letters I ask for the original creditors that I owe along with amounts due but I never get anything in the mail! Just more phone calls and then I recently received a sketchy paper in the mail saying I will be sued from them. I've been trying to fight with companies as I believe my identity had been used for a few things but this portfolio recovery company is absolutely horrible! Mind you, this specified company has a ton of lawsuits against them already for threats made against tons of people and have been ordered to cease and desist numerous times, they wont stop! These threats need to stop please
Company Response:
State: WA
Zip: 98837
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid collection for XXXX XXXX credit card of {$290.00} XXXX XXXX in paid in full .Should be off my credit report as owed XXXX years ago.
Company Response:
State: MA
Zip: 01453
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Portfolio Recovery Associates LLC ( PRA ) has been reporting false information to credit bureaus to damage my credit. They have {$33.00} listed in Payment History on my credit report. PRA claims the date they received this payment was on XX/XX/XXXX. I've shown this in an attachment titled XXXX dispute results, XXXX. I've highlighted the date and amount on this page for your convenience. However, this is false and impossible. PRA only received one payment from me on XX/XX/XXXX for {$440.00}. This is also shown in the Payment History section of the attachment. For further proof, I also put forward the Request and Writ for Garnishment, '' which is dated XX/XX/XXXX. This was the initial judgment for garnishment on my income tax refund/credit. Within this attachment {$33.00} shown as a postjudgment cost. If this is the {$33.00} PRA is referring to in my credit report, they could not have received this payment in XXXX as they claim. PRA would have received it in XXXX because thats when taxes were filed. I've provided validation of this with two more attachments titled Garnishment Disclosure and Notice of Income Tax Refund used for Debts. As you can see in both of these attachments, they were dated XX/XX/XXXX. In summary, PRA reported fabricated information to credit bureaus to damage my credit. This is unacceptable so I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.
Company Response:
State: MI
Zip: 48708
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I do not know what this collect is. However Portfolio Recovery calls my phone Day and night Monday-Friday. Some of the calls have came through before XXXX and after XXXX. All throughout my work day I receive calls from this company and it is very disturbing and I feel harassed. Calls are coming from several different numbers but all say Porfolio recovery
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$2000.00}. This collection agency has updated this account with no closed date, which reflects the account as current. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Capital One Bank whose collection agency is XXXX XXXX XXXX XXXX is reporting a collection amount of {$4400.00}. This collection agency has updated this account in which it keeps the account current with no closed date. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A