PORTFOLIO RECOVERY ASSOCIATES INC

2019-10-10

Fort Lauderdale, FL

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

2019-10-10

Cape Girardeau, MO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-10-10

Mount Olive, OH

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

2019-10-09

Indianapolis, IN

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I get called every single day from this debt collector. Portfolio Recovery Associates calls my phone from different numbers every single day. I have told them to stop calling. This debt is from my ex-husband 's that he is responsible for since our divorce in XX/XX/2016. I have sent them my divorce decree multiple times but nothing prevails. This is harassment and I am not even responsible for the debt which was purchased from XXXX XXXX XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-09

AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: 3 different collections I settled with portfolio Recovery to completely delete them from my account and I have proof and it has only updated to me paying some of it. When we paid for delete. XXXX XXXX XXXX sent to collections with portfolio should be deleted than 2 XXXX XXXX XXXX cards I paid for delete also I paid a XXXX XXXX XXXX which was settled for less and a XXXX XXXX settles for less
Company Response: Closed with explanation

Timely Response

2019-10-09

West Brandywine, PA

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: I contacted the company rep in XXXX of XXXX.The rep said I would receive info in the mail to file a dispute, it never came and they passed me around to different personal for 30 minutes.
Company Response: Closed with explanation

Timely Response

2019-10-09

Myrtle Beach, SC

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-10-09

Simi Valley, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Portfolio Recovery has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Company Response: Closed with explanation

Timely Response

2019-10-09

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Company Response: Closed with explanation

Timely Response

2019-10-09

Catatonk, NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-10-08

Pomona, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-10-08

Moravian Falls, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-08

Wesley Chapel, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-08

CT

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

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

Problem with personal statement of dispute
Complaint: Portfolio has claimed that they have been transferred the right to own such alleged debt. The lawful elements of a contract havent been fulfilled. Portfolio never made me an offer that was accepted by me, they have failed to provide me consideration of any form and they have never proven any other financial entities that that are claiming to have initiated the alleged debt instilled a right to assignment in any contract they provided. Therefore, Portfolio has never proven a right to the existence of any such debt as well as the legitimacy to collect on besides some hearsay Bill of Sale, which proves nothing and offered me no consideration with regards to this issue. This company continues to refuse to furnish the proof of any such debt and now blatantly states that they refuse to provide proof of validation, as the letter I am enclosing in the file insists. They are engaging in fraud. They make statement of facts in how they form their presentments to collect the alleged debts and yet as the CFPBs own 2015 consent order against them ( CFPB-XXXX ) shows on Page 7, as per the statement of their own VP, they know going into this whole process of their extortion scheme that they know the data they possess is likely flawed and they are in violation of FCRA 1681i in the sense that they cant verify information they list dispute their statements to the contrary in their various responses to disputes and demands they prove their claims. They have never proven the accuracy of the amounts they are claiming to be owed. They, as I have already documented in prior complaints, with no explanation given by Portfolio, have never explained what gave them the right to violate 1681i to reinsert data that had been removed without notification to the consumer. They continue to claim they verify and use terms like establish validity yet never demonstrate how they have done so. The court case XXXX XXXX XXXX established that credit reporting IS debt collection activity and Portfolio has already in the past acknowledged that they are going to cease Collection activity yet continue to Furnish this data as collections to the bureaus. Furthermore I recently received letters from PRA refusing to explain or defend their standing and right to furnish this data on my files any files, which violated the FDCPA for unfair practices, unless I provide new information. In my prior dispute I did provide new information, in particular the results of my UCC search pertaining to any debt attached to my name, and that was utterly ignored by Portfolio despite being a valid point. I expect these items to be removed by Portfolio and hear no more from this company I have never chosen to do business with or interact with in any way.
Company Response: Closed with explanation

Timely Response

2019-10-08

Grover Beach, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: In the past, the account Im disputing went from one debt collector to the next which led me to believe they were just selling my information between colleagues or something or the sort. XXXX XXXX credit was paid in full many many many years ago and the account was closed. I never touched it again. I was about XXXX and since then havent touched a credit card since. Im a XXXX and primary rely on just cash. Pay my rent in cash/ money order and have a prepaid debit card to pump gas and other little things or my mother usually books more important stuff like flights and hotel rooms on her own credit card. This item thats being reported on all 3 bureaus is incorrect and am tired of it just sitting there
Company Response: Closed with explanation

Timely Response

2019-10-08

Pomona, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-10-07

Birmingham, AL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-10-07

Buffalo Lake, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-07

Stevenson, MD

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Company Response: Closed with explanation

Timely Response

2019-10-07

Harsens Is, MI

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I have disputed Portfolio with the credit bureaus XXXX of XXXX stating account number XXXX its not my account. Credit bureau said that account was verified as mines by Portfolio Recovery. I sent Portfolio recovery a certified letter XX/XX/XXXX that this is not my account and please validated the account as being mines. I have not received anything I sent out another letter XX/XX/XXXX and again nothing. How can they update status on the credit report without validating the account with me. Status update on my credit report XX/XX/XXXX and that this information is to stay on record until XX/XX/XXXX. I should not have to wait for this to fall off my report XXXX when this is not my account. Please have this company validate the account as I have asked several times.
Company Response: Closed with explanation

Timely Response

2019-10-06

Waco, TX

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-10-06

Moore, OK

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-06

Waco, TX

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-10-06

Waco, TX

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-10-06

Waco, TX

Written notification about debt

Debt collection: Credit card debt

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

Timely Response