Date Received: 2023-11-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Company trying to collect on a debt that I have no knowledge of XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72301
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Portfolio Recovery made false statements to XXXX court saying they served me with papers and never did. I did not know about a lawsuit for them and only found out by calling to check on my wife 's case because they did the same thing to her. I guess they have an issue with saying they served someone and did not. I went to court showed waited for the judge, their lawyer to the court was late. I let the court know and lawyer know this was in dispute with company over being a fraud account I was not served lawyer lied I was told they already were getting a default judgement.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got a letter from a debt collection company called Portfolio Recovery Associates , LLC. It talks about a debt that I have no knowledge of. It is asking me to pay a certain amount to 'Get me out of this debt '. This is an outright scam
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received notification from Portfolio Recovery Associates, they claim I owed a debt to XXXX XXXX. I have sent three certified letters and they have signed the return receipts, requesting my signed original contract and proof of their license to do debt collection in Virginia. They told me that my request was " frivolous '' and they on their end, have proved " validity '' of the debt. They have not provided me that validity nor the signed original contract or proof of the license to collect in Virginia. They have now added a collection to my credit report without any further contact and I believe that is illegal under the XXXX in Virginia. Again, I sent XXXX certified letters requesting the information to validate the debt and not once have they sent the signed original contract or the proof of their license to collect in Virginia.
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This account is past the statue of limitations in my state of XXXX where the initial contract was signed. Also this company is reporting as a brand new opened account with a different date than when the account was opened
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I requested XXXX and XXXX credit agencies to remove an account by Portfolio Recovery services. Due to the fact that I have never had an account with this company. I was told that they were able to show validity of an Account that I have had with them which is False information and not legitimate. I have never had an account with the said company Portfolio Recovery. Based on the Fair Debt Collection practices 15USC 1692 Act, Porfolio Recovery is falsley stating that I have had an account with them with my signature with a date of opening an account which is also false and which was never provided to me, by law I was supposed to be given 30 days by letter notifying that this account was going to be placed on my credit file, which I never recieved.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Received an " automated '' text message from Portfolio Recovery Associates on XX/XX/XXXX regarding a debt that they purchased through someone else. I unsubscribed to receive messages/telephone calls from said debt collector. I then received a phone call from them on XX/XX/XXXX at XXXXXXXX XXXX and again XX/XX/XXXX at XXXXXXXX XXXX. I rejected both calls as I had already unsubscribed from receiving calls/text messages from the debt collector. Then on XX/XX/XXXX, I received another " automated '' text message from Portfolio Recovery Associates, to which I attempted to unsubscribe once again.
Company Response:
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had a XXXX account when I was XXXX XXXX XXXX, and because you have to be at least 18 years of age to have a XXXX account, I believe the Informations was sent to credit card companies and then credit cards were sent to our address. When my father ran out of money to lay for food and other necessities I pointed out that we had credit cards that kept being sent to us, and so we used XXXX to pay for food and other necessities. Shortly after the credit card was used, a serious family problem occurred which resulted in forgetting about the use of the credit card. About a decade later ( now ) I decided to get a XXXX XXXX credit card, and when I signed up for it, there was no mention of a credit account in my name before my current one. A month or two after I got the XXXX XXXXXXXX credit card I was sent a paper in the mail from Portfolio Recovery Associates LLC ( PRA ) saying that I owe them {$450.00} because they bought my previous XXXX XXXX credit card debt. I then disputed their claim because I assumed they were talking about the credit card I got just after turning XXXX and they sent me copies of papers of XXXX XXXXXXXX saying that the PRA acquired my credit card account with a balence of {$450.00} ( The credit card used for buying groceries ). My father and I then decided to call PRA and see if we could somehow get the debt transferred to his name without any record of this debt being in my name. They then proceeded with telling us to pay it off and it will no longer be there but that didn't help us since there was still a chance for it to show up as a paid debt in my credit report.
Company Response:
State: PA
Zip: 168XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: PORTFOLIO RECOV ASSOC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 18 months ago I was advised by my former bankruptcy attorney to send certified letters requesting special information : date of first delinquency, which is when the 7 year period begins, not when the 3rd party buys the account, but when the account first goes into delinquency status. The letters were returned, I called and the gentleman I spoke with was ignorant, starting they bought the debt and work for the original creditors. They base when the debt is discharged off my credit report, not the original delinquency, to stop using XXXX. I said a bankruptcy attorney is not XXXX, to which he hung up. I've disputed these over the years via XXXX XXXX and they never actual update anything despite receiving emails stating they'll be deleted and removed from my report. I received one yesterday, stating the XXXX XXXX account will be deleted. I'll check on 30 days and I guarantee it will still be on there. Most on there account, original date back to XXXX through XXXX when I original got married and then shortly filed for divorce, because my husband overcharged them while I was on XXXX and I could keep up with the payments, they fell behind and eventually were charged off then placed with collections a year or so later. Therefore, I know the date of first delinquency would be XXXX or XXXX, making the debts beyond the 7 year window to be listed on credit report. I'm asking for assistance because the original creditors have deferred me to the 3rd parties whom don't have the original dates of delinquency, only when they bought the debt making this whole situation and process inaccurate and difficult for me to dispute and clear from my credit.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A