Date Received: 2023-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DATE : XX/XX/XXXX TO : Portfolio Recovery Associates , LLC FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX REFERENCE NUMBER : XXXX RE : NOTICE OF VIOLATION OF CEASE & DESIST DEFAMATION OF CHARACTER NOTICE ( ORIGINAL CREDITOR : XXXX XXXX. ) You are in violation of my original cease & desist demand sent to your company on XX/XX/XXXX via the CFPB portal complaint id : XXXX and another sent on : XX/XX/XXXX via the CFPB portal complaint id : XXXX. I have since received yet another written communication from you dated : XX/XX/XXXX. I do not owe any alleged debts to PORTFOLIO RECOVERY ASSOCIATES , LLC. You did not/ can not provide a written contract or evidence of indebtedness with my signature. You did not/ can not provide a poof of authority to show you have any standing in law to attempt to collect anything from me. In your written communication, you list XXXX XXXX. as the original creditor ; I do not have a contract with them and if I did, I never provided consent to XXXX XXXX. to sell, exchange or provide any information to third parties, including PORTFOLIO RECOVERY ASSOCIATES , LLC. How did you obtain any of my information? All consumer transactions are private. I demand you to provide the original contract between XXXX XXXX, myself and PORTFOLIO RECOVERY ASSOCIATES , LLC authorizing you to contact me in any capacity. Provide the accounting, ledgers, wet ink original signatures. Your threats to furnish any information to any of my consumer reports will result in a lawsuit. You are using Color of Law to attempt to collect, furnish, share, disclose and report inaccurate information about me as defined by federal law. Unless you can provide me with proof that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, as well as authority to include it on my consumer report, I demand that your company cease & desist all collection attempts, furnishing of information to consumer reports and permanently delete any and all information related to me within 4 days pursuant to 15 USC 1681c-2. Failure to comply and or properly respond to this notice will serve as your reluctant agreement to the statements made herein, your agreement to full liability for any injuries caused, criminal prosecution and will absolutely result in legal action being taken against you. I declare under the laws of God that the aforementioned statement of facts is true and correct. All rights reserved. UCC 1-308
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio recovery is furnishing multiple different amount over different reporting agencies and different information about the same debt along with information they got from pulling my credit history without my consent. Every month they change the payment, payment delinquent date, and other information, I disputed the account multiple times and every time they just put something they stole from my credit report, change something and keeps the collections on my account.
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Before I knew anything about a doctor bill, I received an advertisement in the mail at my new address from a firm letting me know I was being sued and theyd like to represent me. I was later served after replying to portfolio recovery asking for validation of the alleged debt which I never received! When I first showed up for court in XXXX I had a verbal agreement with another of portfolio recoverys attorneys to get a statement from defacs proving coverage and the case would be dismissed. However it was continued and when I went into court most recently on XX/XX/2023 with my proof. It was a different attorney for portfolio recovery and my proof was not taken. This deprived me of my right to a fair and just trial because I was told something else therefore I didnt have time to prepare to defend myself. I showed my proof and even proof where apparently portfolio recovery doesnt own it anymore! Its now owned by XXXX XXXX XXXX and has been since I received the first statement through my email in XXXXXXXX XXXX XXXXXXXX which is before portfolio sued me for a debt they no longer own! Didnt have to show proof or anything per the FDCPA and ruled against me and got a judgement anyway! Along with writing the wrong case number and amending my judgement which is labeled default judgment even though it was not in fact a default judgement because I did file an answer and I did show up. Now theres a judgment against me because somehow portfolio recovery can sue consumers without having any proof whatsoever and without even owning the debt themselves! If you need any information from me to properly investigate these claims, please email or call me!
Company Response:
State: GA
Zip: 30741
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response:
State: FL
Zip: 32311
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have two accounts that are showing as being collected by Portfolio Recovery Associates- one from XXXXXXXX XXXX XXXX XXXX and one from XXXX XXXX. I have advised representatives from all three organizations that this debt was a result of identity theft or is in some other way not my debt. XXXX XXXX XXXXXXXX XXXX account that I have is still on my credit report with the original creditor and is being paid as agreed ( though closed, it is in a payment plan ). The XXXX account, I have never seen before at all ; I have XXXX accounts on my credit report, but all are paid in full or closed with a {$0.00} balance. Neither of these accounts belong to me and the address listed on the accounts are an address I have not been at for a minimum of five years.
Company Response:
State: FL
Zip: 33880
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX was notified of a debt collection from XXXXXXXX XXXX in the amount of {$10000.00}. The concern was noted as fraud and determined to be identity theft from a woman living in Illinois. Fraud dept had sent her invoices which she did attempt to pay, but then stopped while she was going through a divorce. My original account was closed by XXXX and then somehow merged with this other woman. 1. I have never lived full or part-time in the state of Illinois 2 . I have never been legally married 3. My credit score is currently XXXX with no outstanding debts or concerns 4. I am financially able to pay this debt, but it is not mine Over the course of the years, each time a collections would send me a letter to collect, I would work with their fraud department. Each time the fraud department would close the account and then sell to the next collections agency. I have now received a civil court case notification in the state of Wisconsin. I have contacted a lawyer and reaching out to credit centers for additional support. Thank you.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have disputed a few debt collections bought by Portfolio Recovery. I have attempted many times for them to prove that there has been payments made to two of said debts. There are reporting one bought debt at 3 % off of debt and another at 5 % off. I have never made payments to this company or org company after the account was close. After many attempts to have them verify all the accounts they hold in my name, they never send the documents or details that is required by my state to rec. I always just get huge prints out of nothing but incorrect info and no documents to show proof of payments that is being reported. Also they have scared me into hiding my identify to stop sending sheriffs to my home or business. I have reems of paper they have repeatedly send same information and cost me money to keep sending them back letters to get proff. They even harassed me and scared me enough to take me to court and all the times the judge would dismiss with prejudice. Even after their attempts to sue me over these, they continue to make me scared to answer my door or give out my phone number for the harassment and sent more sheriffs looking for me. One of the summons even was failed to deliver after three attempts to scare me more and send me to court again, this one had to be dismiss my the town clerk I think they are still reporting the three judgments that judge dismissed and they are still reporting that I made payments. With no such proof of payments to them. I cant send you documents have the papers I have saved over the years for the many repeat info that is never showing or proving everything my state has for them to correctly continue to report.
Company Response:
State: ME
Zip: 04106
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ive been repeatedly harassed by phone calls multiple times a day from Portfolio Recovery Associates , LLC. They are using an attorneys, XXXX XXXX XXXX, XXXX. Ive tried settling this debt with them on multiple occasions. Ive made several payments and they always say they are sending a payment agreement in the mail and I never receive anything. They have tried to garnish my wages on several occasion and I dont make enough for them to do so. They call me multiple times a day on an auto dialer, which they are unlawful in doing so without permission from myself. They can impose up to a {$1500.00} fine, if Im correct. Ive done my part in trying to get this taken care of and the continue to harass me and threaten my job. Something needs to be done. Ive been to court several times with no resolve to this matter. Ive asked for an original purchase agreement from the collections agency, which they have failed to provide.
Company Response:
State: VA
Zip: 22630
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A