PORTFOLIO RECOVERY ASSOCIATES INC

2019-10-17

Cartersville, SC

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation

Timely Response

2019-10-17

Las Vegas, NV

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-10-17

Lewiston, NY

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Company Response: Closed with non-monetary relief

Timely Response

2019-10-17

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-17

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-17

Columbia, SC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Sent notice to stop communication regarding multiple debts to cease and desist. Company failed to respond. Portfolio is reporting multiple accounts on my credit report for over four years that I do not owe. I have never had an account them or the alleged original creditor.
Company Response: Closed with explanation

Timely Response

2019-10-16

Pacific City, OR

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Repeated calls, nearly every day from Portfolio Recovery Associates ( XXXX and many other phone numbers ) to my XXXX XXXX telephone number. They do not know my name, I do no business with them. I have blocked many of their fake phone numbers, but Portfolio Recovery Associates continues to call this number.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-16

Leeton, UT

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: PORTFOLIO RECOVERY ASSOCIATES, LLC a Foreign Business Entity registered in the state of Utah and Registered Foreign Collection Agency in the State of Utah. The registered address provided for the Business is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and the Registered Agent and Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX. The company continues to call phone numbers multiple times from multiple numbers and should never have these numbers provided to them in any fashion. The company called a campaign phone number which had been clearly identified as such on any information that would have linked it to me. They refuse to identify themselves as a debt collector when fishing for information and continue to utilize prohibited practices after they have been sent and informed that written communication is the only acceptable form of communication.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-16

TN

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: received frequent calls. I told them the debt was settle out of court by their lawyer and that they need to contact their lawyers. they still call my home and they file a false report with credit bureau saying the account was delinquent. i have proof the account is up to date in payments. the payments are made directly to their lawyer as agreed upon.
Company Response: Closed with explanation

Timely Response

2019-10-16

FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: It was brought to my attention that a closed charge off account that was charged off back in XX/XX/XXXX by XXXX XXXX was now reporting negatively as an open collection account. I am in the process of purchasing my first home and the underwriters wanted to know about the collection account that was reporting on my credit bureau from Portfolio Recovery in the amount of {$2400.00}. I called XXXX XXXX to have a letter sent to me stating that the account was charged off back in XX/XX/XXXX and they stated that they could not do so. Today, XX/XX/XXXX, I receive notification that I have a new negative remark on my credit report and to my surprise, Portfolio Recovery is now reporting the account as " OPEN '' and that it is an active collection account, 3 years after the account was charged off by XXXX XXXX. This is delaying my ability to get my first mortgage and this company is not willing to send my last statement that I had with XXXX XXXX so I can provide proof that the account was charged-off. The reason for my complaint is because of this company 's deceptive and unethical reporting practices causing the once 3 year old closed charged off account as an open and active collections account. I would like for this " collection account '' to be taken off my report completely due to their manipulative, deceptive, and unethical ways of doing business and for not providing me with my last statement that I received from XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-16

San Antonio, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-10-16

GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Company constantly sends letters and phone calls even after confirming that debt is not mine. Has affected my credit score tremendously.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-16

Rayford, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-10-16

Houston, TX

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-10-15

Houston, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-15

Paterson, NJ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-10-15

Far Rockaway, NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-10-15

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-15

Euclid, OH

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Complaint: They have discussed my debt with another person. They have called in-laws. They have called my phone numerous times even after leaving messages. They call my phone after XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-15

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-10-14

MT

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: On our about XX/XX/2019 I viewed my credit reports and became aware for the first time that " Portfolio Recovery Associates, LLC : '' placed a collection account on my XXXX, XXXX, & XXXX. This arbitrary action by " Portfolio Recovery Associates, LLC '' had a devastating effect on my credit score & credit worthiness. I sent 2 letters ( both sent via certified mail ) to " Portfolio Recovery Associates, LLC '' requesting validation of debt and as of the date of this complaint " Portfolio Recovery Associates, LLC '' has ignored & denied my request. Furthermore, " Portfolio Recovery Associates, LLC '' actions is evidence that they are knowingly & willingly violating & denying my rights granted to me by " The Fair Debt Collection Practices Act '' ( FDCPA ) & " The Fair Credit Reporting Act '' The 1st letter ( via certified mail ) I sent to " Portfolio Recovery Associates, LLC '' was dated XX/XX/2019 & the second letter XXXX via certified mail ) was sent XX/XX/2019. I had no knowledge of " Portfolio Recovery Associates, LLC '' placing the collection accounts on all 3 of my credit report ( XXXX, XXXX, & XXXX ) and they failed ( knowingly & willingly ) placing collection accounts. Furthermore, " Portfolio Recovery Associates, LLC '' placed collection accounts on my credit reports without notifying me first & giving me the opportunity to request the validation of the alleged debt and by doing this " Portfolio Recovery Associates, LLC '' violated the FDCPA Collection Practice by placing a collection account on my credit report without sending me a letter first.
Company Response: Closed with explanation

Timely Response

2019-10-14

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-14

FL

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: constant calls, as soon as i answer the phone hangs up, i have to search the number online and find it is always portfolio recovery. I do not have debt with them and the few times i have gotten someone on the phone, its alwasy someone with broken english and i tell them i do not have debt or accounts with them, have told them to stop harassing me but still get 7-9 calls a day from them, easily. I have also emailed them to stop calling.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-14

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-14

Cleveland, OH

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response