PORTFOLIO RECOVERY ASSOCIATES INC

2019-10-14

Queen Anne, WA

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-10-14

CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Portfolio Recovery Associates, LLC has sent to me by mail at least 2 or more written communications attempting to collect a debt that has already been discharged in a Chapter XXXX Bankruptcy. The last one is dated XX/XX/2019. I did not respond to this most recent communication.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-13

Murray, UT

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: XXXX is allowing Portfolio Recovery Associates to do Hard Pull inquires every few weeks they are doing HARD PULLS Inquires without my permission or authorization. PRA did HARD PULLS XX/XX/2019 and now Im showing another HARD PULL XX/XX/2019. This is illegal.
Company Response: Closed with explanation

Timely Response

2019-10-13

Gaithersburg, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-13

NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Sent three letters to Portfolio Recovery Associates requesting two accounts be removed from my credit report because the debt was not mine. Furthermore if the debt was mine which Portfolio Recovery refused to prove it is beyond the allowed time per section 809 of the FDCPA. Portfolio Recovery did not responded to my request but set repeated letter stating I have a right to request substantiation of the debt, which I did in three separate letters sent via certified return receipt letters. The last four numbers of the account numbers per Portfolio Recovery are as follows : XXXX and XXXX. Portfolio Recovery requested I call or write them and prove the debt accounts are mine in order to resolve the issue. I reminded them that per FDCPA section 809 they must provide written verification of the original debt. They did not respond or remove the incorrect debt from my credit report.
Company Response: Closed with explanation

Timely Response

2019-10-12

Columbia, SC

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

2019-10-12

NC

Incorrect information on your report

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

Information belongs to someone else
Complaint: When I was contacted by this company I informed them that the credit card from XXXX XXXX is not mine and was opened in my name. they sent me a letter back regarding the validity of this account and was unable to provide me with anything. I contacted XXXX XXXX in regard to the account and they stated it was owned by the portfolio recovery associated. This collection account has appeared on my credit report and is erroneous and should be removed. I have request validation and have received nothing. Please remove this information from my credit report it is causing a hardship on my score.The company stated it would send me a detailed payment statement for this account but they could never produce that because I have never made a payment on this account as it was not mine
Company Response: Closed with explanation

Timely Response

2019-10-12

Quartzsite, AZ

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened to sue you for very old debt
Complaint: This debt was originally with XXXX XXXX. Portfolio Recovery Associates / XXXX has violated FDCPA. They are illegally reporting incorrect information on my credit report and taking advantage of me. I never used their service. XXXX XXXX XXXX was a loan for dental work in XX/XX/15. I signed for a loan and I did not ever receive any dental services, and so I did not use the loan. I was called by the XXXX XXXX, and tried to explain this to the receptionist. It was not resolved and I did not know what to do, so I left it as it was. Later, I received collection notices and I finally got educated on disputing debts on a credit report. So, I wrote a letter to the Debt collector stating that I did not use the loan and would not be paying for services I did not receive. They sent a statement with the loan total, but not an itemized list of any services I received. I responded by writing that this statement did not prove that I received any services. Recently, I received a letter stating that the debt would be dropped if the debt collector did not respond by XX/XX/2019. I have learned my lesson since then, and have taken no other loans out. I had dental work and paid in payments and I have no other debts at this time.
Company Response: Closed with explanation

Timely Response

2019-10-12

San Antonio, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2019-10-12

San Diego, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX did not notify me of missed payments of card and abruptly shut card with balance off. sent to collections and amount is different than credit companies statement. no calls to dispute or give information of due amount. just a account with due money.
Company Response: Closed with explanation

Timely Response

2019-10-11

AL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I'm quite informed on the legal proceedings in regards to preventing judgements from being entered ( in terms of submitting an answer/requesting a trial date and such ), so I never let me summons/trial notices go ignored ( learned the hard way with a 12 year judgement that took months of research and years finally getting removed without having to satisfy payment ), but was recently issued from small claims a Default Judgment against me, granted to the Plaintiff, Portfolio Recovery Associates, LLC. I'm quite familiar with the array of debt collecting companies, and I, nor my husband, said that I was served for this said judgement, or I would have answered to it like I normally do, by sending certified answers to both the Plaintiff and the Court. I have no idea how this was granted without my knowledge at all that it was happening. I did access PRA 's site and logged in, it then said that it can not display my account info at this time and to call XXXX, XXXX, XXXX, XXXX. I'm assuming said debt has been sold again? How is a judgement without my knowledge of any of this occurring? The stranger thing is that I DID receive a summons 10 days prior to this judgment being granted, with XXXX XXXX, XXXX., suing me as well. I did send a certified answer to that case number, and received my trial date for XXXX, but I am very confused on how this is possible, if it is, what steps I should take if I swear I was not notified via mail, and if I was, how far back can that summons/serving to the defendant be substantiated for? I was under the impression that there is always 14 days to answer. My only thought is that I possibly may have been served in a previous year, but don't see how that could be possible if the judgement was just granted, since court dates are typically within the next 1-2 months ( that I've experienced, and I've gone to several of these trials ). I'm located in Alabama and would love your input/advice. Should I pay to seek court documents? I do not want to have to pay several hundred dollars to appeal in Circuit Court for a {$1100.00} judgment, but I do not think this judgement is fair. Not sure if I should contact FDCPA or what my next step should be.
Company Response: Closed with explanation

Timely Response

2019-10-11

Three Bridges, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Multiple individuals have been calling from different phone numbers on behalf of " Portfolio Recovery Associates ''. Because of that, I have not been able to block these unwanted calls. The callers claim to have a " personal business matter '' with me, and ask me for sensitive information that includes my name, social security number, and date of birth. The callers have also stated that they want to collect a debt, and that the calls are recorded. The " Portfolio Recovery Associates '' appears to be either owned or associated with PRA Group , Inc XXXX XXXX Virginia ). The callers are either employees of such organizations, or individuals representing such organizations. I have informed them that ( a ) I do not have any " personal business matter '' with them, ( b ) the debt that they are collecting is not mine, ( c ) I am not responsible for the debt their collecting, and ( d ) I am not the person that they claim to be seeking. In one of the calls, the " Portfolio Recovery Associates '' representative provided last 4 digits of the Social Security Number, and year of birth of the person that they seek. Those numbers are not mine, and I informed the representative that that person is not me. I also asked that their company stop calling me. I have on multiple calls asked the representatives to stop calling me, and that they remove my name and contact information from their company lists and records. I also told them that they were harassing me. The company keeps calling me, harassing me, attempting to collect personal information, and fraudulently attempt to collect money from me. I am requesting that the company and any of its associates and representatives, stop contacting me now. I am also requesting that they remove my personal and contact information from all of their systems and records. Thank you.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-11

PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XXXX XXXX credit card was used by an ex spouse, I tried numerous times to dispute the debt because it was used with HIS CARD, not mine. The debt was established in XX/XX/XXXX and should have come off of all three bureaus by now. XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. However, Portfolio Recovery Associates, LLC keeps sending me communication and renewing the debt so that it looks like NEW debt on my credit. They have sent me communication in XX/XX/XXXX AFTER the debt should have been removed.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-11

San Antonio, TX

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: XXXX XXXX XXXX loan for my XXXX XXXX was signed in XX/XX/XXXX. The car was stolen in XXXX. XXXX charged off debt balance and sold debt to Portfolio Recovery Associates. Portfolio recovery associates continues to report debt balance as new or current. I disputed the information twice with XXXX XXXX and the credit bureaus. I also mailed a copy of the loan agreement that states the date signed of XX/XX/XXXX. The account for XXXX XXXX is also being reported as new and current. This loan card is also older than 8 years
Company Response: Closed with explanation

Timely Response

2019-10-11

Main Office, VA

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

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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2019-10-11

Brooklyn, NY

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2019-10-11

CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: Hi, I had a XXXX XXXX credit card with a small balance of roughly {$600.00}. The balance was not mine and used by the ex husband to credit debt for me so I would struggle as time marched on - we call this fraud. Subsequently, and conveniently, my identity was stolen forcing to close my accounts and put stop payment on bills - one of which to XXXX XXXX for this balance. The debt collector, several years later, still had the payment owed on my credit - even after attempts to clear this balance in the divorce. I called to settle the payment issues and explained my circumstances with the abusive ex husband and identity theft issues to which the woman said Im not sure why your calling - you have a XXXX balance. She sent me a letter stating I had a XXXX balance with a balance summary showing a XXXX balance. Now, almost 5 years later, the item is still sitting unpaid on my credit and when I call they state that I lied and never paid it. No one in their office ever said or did that and I must be making it up so I dont have to pay. And then raised her voice at me to intimidate me into paying the bill which I previously called to do almost one year later and was told it was cleared. I feel this is an abuse of power and need my credit cleared up so I can a ) have a home b ) support my families needs c ) be a reliable consumer
Company Response: Closed with non-monetary relief

Timely Response

2019-10-11

E Brunswick, NJ

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2019-10-11

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-10-11

Hickory Hill, TN

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

2019-10-11

Tucson, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-11

Killeen, TX

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-10-10

Clayton, MO

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2019-10-10

Arlington, WA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-10-10

New Orleans, LA

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
Complaint: I asked all 3 credit bureaus to perform an investigation into Portfolio Recovery 's negative reporting on my credit bureaus in XX/XX/XXXX. I was asking for validation of debt. On XX/XX/XXXX, I received a letter from Portfolio Recovery, which they claimed to validate the debt. There are many inconsistencies involved with Portfolio Recovery 's response. Portfolio Recovery claims that I owe {$550.00}, but they sent a statement with a balance of {$620.00} from XX/XX/XXXX. They also sent a " letter '' from XXXX XXXX, dated XX/XX/XXXX, saying the " debt '' was sold Portfolio Recovery on XX/XX/XXXX, however if you reference their response to my request for validation, Portfolio Recovery says this occurred on XX/XX/XXXX. Portfolio Recovery is reporting multiple dates, which differ from each other. I asked for a signed contract, and all they could provide me is an " account statement '' from XXXX XXXX, which was electronically transmitted. There are several cases, which state electronic transmission is not enough to verify a debt. If you reference all 3 of my credit bureaus, there are zero negative items from XXXX XXXX reporting on it, so how could this " debt '' even exist? I have an account with XXXX XXXX that was opened this year, however nothing with those dates that Portfolio Recovery is claiming. The statement from Portfolio Recovery also lists the " original creditor '' as XXXX XXXX, and if you reference my credit reports, there has never been an account that was ever opened with XXXX XXXX. Portfolio Recovery says that my " account '' was opened on XX/XX/XXXX, however a simple XXXX search will show that XXXX XXXX purchased XXXX XXXX credit operations in XX/XX/XXXX, XXXX months before Portfolio Recovery is claiming, that I opened an account with XXXX XXXX. How did I open a credit account with XXXX XXXX in XX/XX/XXXX, when XXXX credit accounts no longer existed? The inaccuracies, and outright wrong information is reason enough to have Portfolio Recovery to delete all negative information on my credit bureaus. They failed to properly investigate my inquiry, and are not negatively effecting my credit. They assumed without properly researching information, and Portfolio Recovery is harming my ability to obtain credit. In summary, Portfolio Recovery failed to properly verify the " debt '', is claiming I opened an account with a creditor that was not even open, when they are stating I opened the " debt '', sent account statements with conflicting information, and is reporting negatively to my credit, while there is zero evidence on any of my credit bureaus that these " supposed accounts '' existed.
Company Response: Closed with explanation

Timely Response