Date Received: 2023-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Portfolio recovery owes me money. They have garnished my credit score for a claim of thousands owed. They have in part made me homless, carless, and unhireable due to the debit I paid in full, reopened the bank account and am being told to repay the same debit after it was already paid settled. The Portfolio Recovery fraud case for settlement of {>= $1,000,000} owed to consumers is what their trying to get away with SHYSTING people like me. I have suffered damages because U.S. Bank give my information to criminals with their FRAUD business.
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: i have been complaining about this debt collector for years and have no success. they have defamed by character by reporting false information on my credit report. They have threatened to sue me and is unable to prove the validity of the alleged debt. i am unable to provide for my family because i have been denied credit due to false information reported by this agency.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I received a letter saying I have a debt for {$870.00} from a XXXX XXXX account and they will send me to collection. Apparently they have all my personal information, but I dont understand how because I have never open any accounts in any bank. I think someone stole my identity. This account was open XX/XX/2019. So if you check my records you should be able to see that I have never open accounts in any bank. I dont have any idea of how credit card work beca Im no interested in debts with bank so I hope you guys can resolve my issue the best way possible and ASAP
Company Response:
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Bought bed and adjustable platform ( frame ) the bed started to sag right away called Sleep number and they came out and replaced it, that one started to sag right away and the platform was not working properly called and told them this deal was not going to work for nothing was good or working right. They came out took bed but never took platform, platform started to smoke two days later, I unplugged it and put it in garage. When platform was first acting up I called sleep number and told them about bed and platform, they tried to tell me there was no warranty on platform, I said there has to be some kind for it is electric and has motors in it Instead of taking care of the problem they turned my bill over to collections and ruined my credit score
Company Response:
State: MN
Zip: 564XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Portfolio recovery associates has called me over 500 times
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Company decided to sue me in Georgia for a fraudulent account I counter sued Portfolio Recovery Associates llc and on XXXX 2023 Portfolio Recovery Associates case was dismissed with prejudice, my counter claim however was not and i won. Afterwards portfolio recovery decided to falsify my signature and claim I came to an agreement with them. Attached is email transcripts of their hired attorney to fraudulent have me sign a contract that was null and void due to already dismissed case. I successfully sued and won for {$500000.00}. Please see attached.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that PORTFOLIO RECOV ASSOC had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that PORTFOLIO RECOV ASSOC open account was opened on XX/XX/2021 with a balance of {$470.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Contacted creditor explain to them this is not my account my information was missed used and stolen
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery Associates ( PRA ) violated the early-warning notice clause FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I will explore all legal options if this item is not removed with 15 days of receipt of this complaint. I was XXXX in Federal Prison from XX/XX/XXXX & released XX/XX/XXXX. My address during my XXXX was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Moreover, received mail from : U.SXXXX Department of Justice United States Marshals Service Prisoner Operations Division Washington , DC XXXX XX/XX/XXXX, U.S. Department of Justice, United States Marshals Service mailed letter to me stating that my personal information may have been compromised On XX/XX/XXXX, the United States Marshals Service ( USMS ) , XXXXnformation Technology Division ( ITD ) received notification from the Department of Justice, Security Operations Center ( JSOC ) of a security breach affecting a public-facing USMS server that houses information pertaining to current and former USMS prisoners. This letter confirms that when the breach was discovered XXXX I was incarcerated until my release on XXXX. I never received any mail from PRA at my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX. Attached is dated letter XX/XX/XXXX from the U.S. Department of Justice, United States Marshals Service, PrisonerOperationsDivision Washington , DC XXXX Attached also in my release document from XXXX XXXX XXXX XXXX Would like PRA to provide copy of letter that was sent to my address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have tried several times to explain that these weren't my accounts but for some reason no one is believing me.
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A