Date Received: 2023-08-17
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: The coolant claims i allied XXXX XXXX XXXX XXXX card. This must have been fraudulent as I did not apply myself. They have since been harassing me constantly about it calling at all hours of day and night and using illegal tactics to try and get me to pay.
Company Response:
State: TX
Zip: 75602
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery is calling me repeatedly from various XXXX numbers in an attempt to collect debts that were discharged and well beyond the statute of limitations. I currently have no outstanding delinquent debts. They have texted me, called my personal phone and my business phone.
Company Response:
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have a lot call from portfolio recovery regarding old XXXX account I have made a report on them before I got them off my report I have try to settle with them they have refused every time I would like them off all my credit report but they would call every day and night
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account is over 10 years old and all of a sudden they are trying to collect. They have called my place of employment and harrassed me. I am attaching documentation for this claim.
Company Response:
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have been harassed via phone calls by debt collectors like XXXX XXXX saying i owe {$1400.00} & XXXX, a {$10000.00} credit card from U.S Bank, {$680.00} from portfolio recovery and an auto loan from XXXX that i'm not aware of. I have asked these companies to stop calling me and to remove these items off my report after disputing them in 2022. I have been denied credit and can't move on in my career with these items being reported on my name
Company Response:
State: IA
Zip: 52317
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: This debt happened XX/XX/XXXX I went to court and I am permanently XXXX as of XXXX and I do not have any money for this debt and they are calling me and threating to garnish my wages and I don't have any wages to be garnished. I use to work for the XXXX XXXX XXXX XXXX but don't anymore I need this to stop because this along is making me sick about it Portfolio Recovery
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to request that you stop the wage garnishment that is currently being imposed on me. Theres nothing on my 3 credit reports ( XXXX, XXXX, and XXXX ), showing that I owe a Portfolio Recovery Associates LLC, no outstanding bills on my current accounts and closed paid accounts. My credit reports states that all my bills are paid in a timely manner and shows closed accounts paid. I cant afford to pay any company or person for any unknown unfamiliar bills/debts. Portfolio Recovery didnt provide explanation, description, or details of who, when, what, how, and why do I owe them or what vendor or business owner, whoever it is. I believe Portfolio Recovery LLC is violating one of my rights, harassing me and trying to bully me by taking my money without giving me specific descriptive details of what year, what it was that I supposedly had purchased or bought or what business owner do I owe? XXXX XX/XX/XXXX I received a strange, stressful and unknown court mail that a Portfolio Recovery is garnishing my wages with no details no description no $ dollar amount, no name of who or what I supposedly bought or purchased or what bill did I not pay? There's NOTHING showing on my 3 credit bureau reports of having any outstanding purchases no outstanding bills owed to any company or business. I thought this was a scam, false, or fraudulent documents. XXXX XX/XX/XXXX I received another strange unknown stressful mailed court document of Portfolio Recovery to garnish from my wages an unknown amount of {$1800.00} ( a bill I have no clue or reason why ). In XXXX ( XXXX years ago ), my purse was snatched by XXXX men with all me and my kids ' credit cards, social security cards, and bank cards- maybe this is some type of identity theft from somewhere. I reported that incident to all 3 credit bureaus many years ago.
Company Response:
State: MD
Zip: 21213
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: See attachment! XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Urgent : Compliance with Federal Laws Required for Account Ending in XXXX NOTICE TO CEO, CFO AND COMPLIANCE DEPARTMENT I am writing in response to your communication dated XX/XX/XXXX, regarding the alleged XXXX account with the ending number XXXX. While I appreciate your willingness to cease communications per my request, I believe there are significant legal concerns that require immediate attention. Federal law 15 USC 1692c ( a ) explicitly states that a debt collector can not contact a consumer about debt collection without prior consent or express court permission. I did not provide such consent to XXXX XXXX XXXX XXXX ( XXXX ), and this raises concerns about compliance with federal law. In accordance with this law, I kindly request documentation that demonstrates the direct written consent, as required by 15 USC 1692c ( a ), for XXXX 's communication with me regarding this alleged debt. Furthermore, I am exercising my rights under Federal Law 15 USC 1692c ( c ) to refuse payment of the alleged debt and demand an immediate end to all communication, consistent with Federal Law 15 USC 1692c ( c ) ( 1 ). Confirmation of the termination of all collection efforts and the removal of account ending in XXXX from my credit report is expected. I am also deeply concerned about the violation of my consumer rights to privacy under the XXXX XXXX and the criminal activities committed under Federal law 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Your mention of purchasing my nonpublic personal financial information without consent or written authority is alarming. I urge you to provide me the FULL purchase agreement disclosure between XXXX and Capital One bank regarding my personal information for my record in the event I have t file a Federal complaint. Given the recent CFPB lawsuit against XXXX XXXX XXXX XXXX, as highlighted In link below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ It is crucial that this matter be addressed promptly and compliantly to ensure my rights are upheld. I trust that a prompt and cooperative resolution can be achieved without escalation. This letter serves as my final warning before considering legal action to safeguard my consumer rights. I am hopeful that your response will demonstrate a commitment to resolving these concerns in a lawful and fair manner. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: They offered me a settlement which I paid. They held my funds for XXXX business days enabling them to report only the decreased balance but not the settlement. They then reported the settlement but have yet to remove their tradeline. They have stretched the length of time so they can continue to negatively impact my credit when theyve received their money.
Company Response:
State: WA
Zip: 98037
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: See attachment! XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Urgent : Compliance with Federal Laws Required for Account Ending in XXXX NOTICE TO CEO, CFO AND COMPLIANCE DEPARTMENT I am writing in response to your communication dated XX/XX/XXXX, regarding the alleged PRA account with the ending number XXXX. While I appreciate your willingness to cease communications per my request, I believe there are significant legal concerns that require immediate attention. Federal law 15 USC 1692c ( a ) explicitly states that a debt collector can not contact a consumer about debt collection without prior consent or express court permission. I did not provide such consent to Portfolio Recovery Associates LLC ( PRA ), and this raises concerns about compliance with federal law. In accordance with this law, I kindly request documentation that demonstrates the direct written consent, as required by 15 USC 1692c ( a ), for PRA 's communication with me regarding this alleged debt. Furthermore, I am exercising my rights under Federal Law 15 USC 1692c ( c ) to refuse payment of the alleged debt and demand an immediate end to all communication, consistent with Federal Law 15 USC 1692c ( c ) ( 1 ). Confirmation of the termination of all collection efforts and the removal of account ending in XXXX from my credit report is expected. I am also deeply concerned about the violation of my consumer rights to privacy under the XXXX XXXX and the XXXX activities committed under Federal law 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section XXXX of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Your mention of purchasing my nonpublic personal financial information without consent or written authority is alarming. I urge you to provide me the FULL purchase agreement disclosure between PRA and XXXX XXXX bank regarding my personal information for my record in the event I have t file a Federal complaint. Given the recent CFPB lawsuit against Portfolio Recovery Associates LLC, as highlighted In link below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ It is crucial that this matter be addressed promptly and compliantly to ensure my rights are upheld. I trust that a prompt and cooperative resolution can be achieved without escalation. This letter serves as my final warning before considering legal action to safeguard my consumer rights. I am hopeful that your response will demonstrate a commitment to resolving these concerns in a lawful and fair manner. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A