Date Received: 2023-10-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ). a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports. 2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests. Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX and other credit resources, my credit scores are hindered by at least XXXX points.
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ). a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports. 2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests. Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX and other credit resources, my credit scores are hindered by at least XXXX XXXX
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is my second complaint against the unlawful acts of Portfolio Recovery Associates LLC. Please see CFPB Complaint XXXX XXXX. Portfolio Recovery Associates LLC provided false information to CFPB in its response stating that Portfolio Recovery Associates provided to me, all requested validation of the alleged debt. My first requested document was a copy of the original contract between XXXX XXXX and Synchrony Bank. Portfolio Recovery Associates LLC failed to provide the requested document but stated in its response that Portfolio Recovery Associates LLC had purchased an account AND contract. Portfolio Recovery was obligated to comply with the federal Fair Debt Collection Practices Act ( " FDCPA '' ) and the Texas Debt Collection Act ( " Texas Act '' ). The former makes it unlawful for a debt collector to " use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' 15 U.S.C. 1692e. That prohibition includes, among other things, communicating " credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' Id. 1692e ( 8 ). The Texas Act contains a parallel prohibition. See TEX. FIN. CODE 392.202 ( a ), 392.301 ( a ) ( Portfolio Recovery Associates LLC failed to communicate with consumer reporting credit agencies that this alleged debt was being disputed but instead, provided partial documentation which did not suffice what was requested from them. And as a result of Portfolio Recovery Associates violation of 15 USC 1692e ( 8 ), a credit application from myself to studentaid.gov for a Parent Plus Loan to help pay for my son 's college education, was denied solely based upon the Portfolio Recovery Associates collections account shown as a negative reporting on my consumer credit report. The FTC and FCRA encourages fair reporting to reporting agencies but Portfolio has denied me of any fairness through violations. Recently, Portfolio filed a lawsuit against me alleging that I, XXXX XXXX, owed a debt to them. Attached to the lawsuit is documentation which supposedly supports the alleged owed debt. Portfolio Recovery Associates LLC provided a Bill of Sale which does not include any alleged account information supposedly belonging to XXXX XXXX. As a consumer, I am fully aware of the courts most recent decision of the CFPB XX/XX/XXXX lawsuit filed against Portfolio Recovery Associates for their violations against the 2015 Order, the CFPA, FDCPA, and the Fair Credit Reporting Act ( FCRA ) and its implementing Regulation V. Portfolio Recovery Associates have continued with these violations in spite of the final judgement results of the lawsuit and I want to make sure CFPB is fully aware of it.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint to PORTFOLIO RC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have never signed anything with Porfolio Recovery Associates, LLC. They haven't showed me anything. I am being harassed and people have been knocking on my door said they have legal court documents.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio recovery XXXX They keep calling me and harassing me and seconding stuff to employers and all and this is over XXXX XXXX XXXX debt
Company Response:
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Services is reporting inaccurate and unverifiable information on my credit profile. The account number XXXX can not verified under my personal information with Portfolio Recovery Services XXXX I am requesting that Portfolio Recovery Services delete this account from my credit profile under the FCRA section 609 and 605B. Section 609 states every consumer reporting agency should be reporting accurate, verifiable information to the consumer credit report. If the information is not accurate or verifiable it should be deleted. A Representative from Portfolio Recovery Services could not verify that my social matched the social they had for account ending in 1970. Under section 605B ( a ) ( 1 ) of the FCRA Portfolio Recovery Services, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted in identity theft, not later than 4 business days after the date of receipt by such agency a copy of an identity theft report.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Porfollio Recovery is reporting a debt to credit reporting agency transunion that does not belong to me. After sending proper documents including police and id theft reports porfollio continues to report the fraudulent debt, using practices violation all my rights as a consumer. Also portollio is using threats and harassment in order to collect a debt that is not mine. They have already been sued for the conduct and yet it still persists.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was not present in the united states for XXXX years and my credit is all destroyed and I have recieved some letters from debit collectors which I have not taken any thing from them. I was out from XX/XX/XXXX to XX/XX/XXXX now I came back and see.
Company Response:
State: IL
Zip: 60007
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A