PORTFOLIO RECOVERY ASSOCIATES INC
Consumer Complaints
There are over 11721 complaints on file for PORTFOLIO RECOVERY ASSOCIATES INC. Dated between 2019-12-08 and 2013-07-12.
Complaints Page 19
2019-09-21
Rayford, 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
2019-09-20
Tarzana, CA
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 filed a dispute with all 3 credit bureaus. The incorrect information was not changed on my credit report. I emailed PRA on XX/XX/2019 letting them know that the account needed to be removed and informing them of the correct information. Still after this the account came back to the credit bureau as correct. PRA is reportint two accounts on my credit incorrectly. One for {$550.00} and the other for {$1300.00}. They are reporting seriously past due as a payment status and they are not an OC. They are a debt collector. Collectors can only report collection accounts. They are reporting a past due amount and they are a debt collector. They are reporting terms of 1 month. I have never agreed to terms with this company as they are a debt collector, no such contract exists and debt collectors can't report open terms. They are also reporting failed payment history. There is no payment history as they are a debt collector not an OC. These two accounts need to be removed from all 3 of my credit reports as I have notified the companies of their violations and they have refused to fix them. They are also reporting that they are correct. They are updating failed payments monthly which is also a violation as they are a debt collector and are causing further damage to my credit. I mailed documentation to them XX/XX/2019 showing the inaccuracies with a letter asking them one last time to correct these immidiately.
Company Response: Closed with explanation
2019-09-20
Hinkley, CA
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 # 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 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 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 is held liable as well for defamation and in the state of CALIFORNIA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY is in compliance with CALIFORNIA 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 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
2019-09-20
PA
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: Portfolio recovery associates continually calls me on a number I have told them repeatedly not to contact me on. Each time they call its from a different number. Ive told them to send me information in the mail and that they are NOT to contact my by phone. The last time I spoke with them I told them I would be reporting them and calls ceased for about 2 weeks. I came home today to find that they had resumed.
Company Response: Closed with non-monetary relief
2019-09-20
Ridley Park, PA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Creditor has failed to validate the date even after 3 request for validation and continuously reporting to credit reporting agencies
Company Response: Closed with explanation
2019-09-20
New Britain, CT
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Complaint: I asked to to stop calling me every day and harassing me the debt is about a cable bill they dont stop
Company Response: Closed with non-monetary relief
2019-09-20
Jupiter, FL
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Portfolio Recovery Assoc. XXXX XXXX - Operations Manager. Telephone Call.
Repeated calls, rude and abusive language and behavior. Call was at a very inconvenient time will I was giving my XXXX year old mother-in law daily medication and making diner for my grandson. The call was made at XXXX on XX/XX/19.
Company Response: Closed with non-monetary relief
2019-09-20
Bronx, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: On XX/XX/2019, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Company Response: Closed with explanation
2019-09-19
Louisa, VA
Communication tactics
Debt collection: Credit card debt
Used obscene, profane, or other abusive language
Complaint: In early XX/XX/2013 Portfolio Recovery Associates, LLC. contacted me several times, harassing me up to 12 times a day from different spoofed numbers of real people. On one occasion, a female representative advised me that they had filed a suit against me and the only way to stop them from suing me or coming to my job to serve me with a summons was to make a payment with her over the phone. I refused to provide her with my social security number fearing it was a scam but I asked her questions about the debt and to my surprise she was so angry with me that she gave the name of a creditor that I had not done business with in over 10 years. When I explained to her that Portfolio Recovery Associates, LLC. was breaking the law by filing a suit on that debt and that she disclosed the information regarding a debt without verifying who I was, the young woman simply cursed at me and hung up on me. Immediately after that interaction I wrote to them at their Virginia address and provided very clear instructions to cease and desist contacting me then, and never to contact me in the future regarding any debts purchased by their company. I outlined each of their unlawful business practices and requested that they blacklist my SSN and Name together to prevent any contact from their company on any debt ever, past present or future. About 20-25 days later, all of the mail stopped coming from them, all of the phone calls stopped, and I never received any acknowledgment of my request. Portfolio Recovery simply stopped the harassment.
Today, I live in constant fear and anxiety from their current onslaught of harassment EVERY SINGLE DAY. They are reporting multiple accounts on my credit reports ( XXXX, XXXX, XXXX ) and I get on average, 6 to 8 BACK TO BACK phone calls from Portfolio. Sometimes they call me using their company phone number but the majority of phone calls they spoof from different area codes/cities/states all over America and I have to trace back to Portfolio Recovery. Their company calls me using every different kind of auto dialer and spoofed phone number they can generate ( using the phone numbers of real people, companies, government agencies, etc ), I have called the phone numbers back and there are real people whose cell phones and business phone numbers are being spoofed by Portfolio Recovery Associates, LLC. in order to mask the true business calling. Because they are calling me on my work cell phone, I dont always have the option to not answer the phone. Their representatives are horrifically rude, caustic and have reduced me to panic attacks at work. When I try to explain that I dont want to be contacted and tell them that Ive already written them several times and to stop contacting me ; the representatives tell me that they have no record of any one at their company speaking to me and that they dont have any information and cant help me unless I tell them my social security number. It is very clear that they are falsifying contact records because of the way that they violate Fair Debt Collection Practices Act ( FDCPA ). When they repeatedly call me, they get extremely agitated and demand my social security number ( which I have never provided on an inquiry call ). They have called my work provided mobile phone ( I dont have a personal phone ), day and night and when they dont get anywhere with me they hang up in my face or dial me back to back and leave long voicemails with them eating on the phone. Ive been cursed at, hung up on and then they dial me back to back to back as if it is a sport for them. I have SEVERAL VOICEMAILS from Portfolio Recovery Associates, LLC. that their phone collection agents leave just to harass me. Most all of the voicemails range 30 to 45 seconds in length and consist of them breathing on the phone, eating on the phone, while I hear very clearly the other people in the background introducing themselves and saying the Portfolio Recovery collection company name to the other people that they are harassing for the day. I live in constant fear of this company and how they aggressively encourage, train and develop their collection agents to yell at and intimidate me. They have made it impossible to for me to live a normal life out of the constant fear and verbal assaults from their call centers. When I returned their monthly attack of postal mail from my home in Virginia with attachments advising them to cease and desist contact on any accounts past, present or any debts that they purchase in the future ; they amped up their phone campaign and then started to contact my family by postal mail. They have begun to send harassing letters to my father ( by the same name but lives over 2000 miles away ), and my parents have returned mail to Portfolio Recovery Associates LLC every single month but continue to get harassing letters even after explaining that Portfolio is going after the wrong person. I wrote Portfolio again about two months ago and I made it very clear in my complaint that they were disclosing my debts to other people and that I was requesting for them cease all communication on any accounts held currently and prohibit future contact on any future accounts. I also explained in that letter that I was filing for bankruptcy and when I have everything put together, that I would have whatever attorney I choose to work with, send them a copy of the filing by mail. Portfolio Recovery Associates, LLC has made a conscious decision to ignore my REPEATED requests for no contact and violate the Fair Debt Collection Practices Act ( FDCPA ) by continuing to harass me and disclose the debt to 3rd parties after they have received notices from me on several occasions by mail and by phone. Im requesting escalation of my complaint to the FTC. I am confident that a review by the FTC will show that Portfolio Recovery Associates, LLC has been dishonest and continues to break the law. After consulting with a legal advocate attorney who is handling other complaints against Portfolio Recovery Associates, LLC, I intend to seek all options including any compensation available to me in every instance of violation based on the evidence ( extensive phone records, voicemails, and postal mailings ) I have accrued that documents in full detail their illegal use of telecommunications, continued aggressive harassment, their collection agents verbal abuse and coercion against me, disclosure of the debts to 3rd parties, forceful intimidation, falsification of communication records and failure to abide by repeated cease and desist requests for no contact on any debts owned past, present, or purchased in the future by them.
Company Response: Closed with non-monetary relief
2019-09-19
Alexandria, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Collection account from Portfolio Recovery Associates is listed as having a balance of {$450.00} on my credit reports. I disputed with them onXX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted from my credit report.
Company Response: Closed with explanation
2019-09-19
Maxwell Afb, AL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I first wrote Portfolio Recovery Associates, LLC, requesting this account they claim to be mine be fully validated on XX/XX/2019 for a second time, after I received my free annual credit report. My reason for requesting those reports in the first place was to establish whether I could be qualified for a line of credit to have a much needed medical procedure done. Portfolio responded to my validation request with a letter dated XX/XX/2019, and informed me that their proof of validation was two attached papers. What was included was a letter from an XXXX XXXX informing someone with a name similar to mine but different address that a debt had been sold to Portfolio and a bill for some type of line of credit from the same company addressed to another person with a similar name ( it is different than the first letter ) but a completely different address than the first letter and myself.
It is my understanding that this is not information to validate this account actually belongs to me and not someone with the same name ; therefore, I sent a response on XX/XX/2019, advising Portfolio Recovery Associates, LLC, that they had failed to properly validate that this account indeed belonged to me. I gave them specific requirements needed to validate this debt and that they lawfully could collect on this debt, per my rights. Also, to make their investigation easier, I included a form to fill out with the exact specifications that are needed in order to validate this debt is in fact accurate, belongs to me, and that they have the legal bonding and lawful requirements to collect on this debt. In writing, I allotted them XXXX days to obtain complete details for the form to validate the debt.
They sent a response, dated XX/XX/2019, advising they were attaching more documents that would provide validity of the account. It was the exact same two pages they sent prior with their response dated XX/XX/2019. My form was not in there and they had sent me the EXACT same generic response they had done before. At the exact same time, they sent an additional response that was dated XX/XX/2019. This once gave a little bit information, but it was not my form, their bonding information, license, or anything I requested. It simply stated that at the time of sale 3 years ago, they were given an electronic file to include a name, last 4 digits of a social security number, and the date an account was opened. Again, they included the EXACT same letter that XXXX XXXX sent to someone with a similar name but different address than myself. I had nothing showing where I actually signed up for this account, nothing proving they could collect on this debt, nothing telling me the last time a payment was made, where all the charges for an over {$600.00} debt was coming from.
I assumed that the responses received in XXXX ( dated in XXXX though ) had to be the results of some type of human error on disregarding the letter and just hitting a button for generic responses. This prompted me to give them another chance to validate this debt. I responded on XX/XX/2019, advising this was my 4th attempt at trying to have Portfolio Recovery Associates validate this account. It again advised them of what specifically I expected to receive and by law had the rights to request, and yet another form to fill out in order to make validation easy for whichever one of their representatives handled my letter. This time they were advised that I know they had already been allotted more time than the law mandates and I expected a response within 15 days of them receiving my FOURTH request or they would need to stop pursuing me for this debt immediately.
Today, I finally received a response back from Portfolio Recovery and it is them advising me that they had not received any additional information pertaining to the account. They blatantly disregarded and ignored multiple attempts to legally validate this account actually belonged to me. I am being restricted from getting a much needed XXXX because this is reporting on my credit report and causing problems for me to be approved for the additional funding needed. I've done a lot of research with this since there has been months of this going on back and forth, so I'm able to know when my rights have been violated.
Company Response: Closed with explanation
2019-09-19
Bellaire, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Portfolio Recovery -- -- I am not aware of this debt I would like this debt validated or removed from my credit report.
Company Response: Closed with explanation
2019-09-19
Rome, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-09-19
AZ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I have previously filed a complaint with this organization for this exact matter, which was previously unresolved, due to lack of evidence, but wherein CFPB has decided to the contrary, implying I did, in fact, open such an account and owe the said " debt ''.
I have an affidavit making it clear do not, have not, and never will apply for any line of credit, loan, or anything in the financial realm, online or electronically. I will not agree to such a contract unless it is in on paper, in writing, and my wet-ink signature is placed on it in agreement.
I have been injured by this derogatory remark on my credit. I am now demanding it be removed immediately.
I will ask again in this complaint, show me proof I have opened the said account, so that I can inspect the document, contract details, and my signature thereon, or there is no proof and thus no " debt '' owed by XXXX XXXX to the organization this complaint is made.
Company Response: Closed with explanation
2019-09-19
Waco, TX
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: XXXX charged off sold the debt to portfolio .XXXX does not display sold or transferred .Both are still reporting. This is a violation of FCRA .and now Portfolio has sold it. This is a violation.
Company Response: Closed with explanation
2019-09-19
Louisa, VA
Communication tactics
Debt collection: Credit card debt
Used obscene, profane, or other abusive language
Complaint: In early XXXX Portfolio Recovery Associates, LLC. contacted me several times, harassing me up to 12 times a day from different spoofed numbers of real people. On one occasion, a female representative advised me that they had filed a suit against me and the only way to stop them from suing me or coming to my job to serve me with a summons was to make a payment with her over the phone. I refused to provide her with my social security number fearing it was a scam but I asked her questions about the debt and to my surprise she was so angry with me that she gave the name of a creditor that I had not done business with in over 10 years. When I explained to her that Portfolio Recovery Associates, LLC. was breaking the law by filing a suit on that debt and that she disclosed the information regarding a debt without verifying who I was, the young woman simply cursed at me and hung up on me. Immediately after that interaction I wrote to them at their Virginia address and provided very clear instructions to cease and desist contacting me then, and never to contact me in the future regarding any debts purchased by their company. I outlined each of their unlawful business practices and requested that they blacklist my SSN and Name together to prevent any contact from their company on any debt ever, past present or future. About 20-25 days later, all of the mail stopped coming from them, all of the phone calls stopped, and I never received any acknowledgment of my request. Portfolio Recovery simply stopped the harassment.
Today, I live in constant fear and anxiety from their current onslaught of harassment EVERY SINGLE DAY. They are reporting multiple accounts on my credit reports ( XXXX, XXXX, XXXX ) and I get on average, 6 to 8 BACK TO BACK phone calls from Portfolio. Sometimes they call me using their company phone number but the majority of phone calls they spoof from different area codes/cities/states all over America and I have to trace back to Portfolio Recovery. Their company calls me using every different kind of auto dialer and spoofed phone number they can generate ( using the phone numbers of real people, companies, government agencies, etc ), I have called the phone numbers back and there are real people whose cell phones and business phone numbers are being spoofed by Portfolio Recovery Associates, LLC. in order to mask the true business calling. Because they are calling me on my work cell phone, I dont always have the option to not answer the phone. Their representatives are horrifically rude, caustic and have reduced me to panic attacks at work. When I try to explain that I dont want to be contacted and tell them that Ive already written them several times and to stop contacting me ; the representatives tell me that they have no record of any one at their company speaking to me and that they dont have any information and cant help me unless I tell them my social security number. It is very clear that they are falsifying contact records because of the way that they violate Fair Debt Collection Practices Act ( FDCPA ). When they repeatedly call me, they get extremely agitated and demand my social security number ( which I have never provided on an inquiry call ). They have called my work provided mobile phone ( I dont have a personal phone ), day and night and when they dont get anywhere with me they hang up in my face or dial me back to back and leave long voicemails with them eating on the phone. Ive been cursed at, hung up on and then they dial me back to back to back as if it is a sport for them. I have SEVERAL VOICEMAILS from Portfolio Recovery Associates, LLC. that their phone collection agents leave just to harass me. Most all of the voicemails range 30 to 45 seconds in length and consist of them breathing on the phone, eating on the phone, while I hear very clearly the other people in the background introducing themselves and saying the Portfolio Recovery collection company name to the other people that they are harassing for the day. I live in constant fear of this company and how they aggressively encourage, train and develop their collection agents to yell at and intimidate me. They have made it impossible to for me to live a normal life out of the constant fear and verbal assaults from their call centers. When I returned their monthly attack of postal mail from my home in Virginia with attachments advising them to cease and desist contact on any accounts past, present or any debts that they purchase in the future ; they amped up their phone campaign and then started to contact my family by postal mail. They have begun to send harassing letters to my father ( by the same name but lives over 2000 miles away ), and my parents have returned mail to Portfolio Recovery Associates LLC every single month but continue to get harassing letters even after explaining that Portfolio is going after the wrong person. I wrote Portfolio again about two months ago and I made it very clear in my complaint that they were disclosing my debts to other people and that I was requesting for them cease all communication on any accounts held currently and prohibit future contact on any future accounts. I also explained in that letter that I was filing for bankruptcy and when I have everything put together, that I would have whatever attorney I choose to work with, send them a copy of the filing by mail. Portfolio Recovery Associates, LLC has made a conscious decision to ignore my REPEATED requests for no contact and violate the Fair Debt Collection Practices Act ( FDCPA ) by continuing to harass me and disclose the debt to 3rd parties after they have received notices from me on several occasions by mail and by phone. Im requesting escalation of my complaint to the FTC. I am confident that a review by the FTC will show that Portfolio Recovery Associates, LLC has been dishonest and continues to break the law. After consulting with a legal advocate attorney who is handling other complaints against Portfolio Recovery Associates, LLC, I intend to seek all options including any compensation available to me in every instance of violation based on the evidence ( extensive phone records, voicemails, and postal mailings ) I have accrued that documents in full detail their illegal use of telecommunications, continued aggressive harassment, their collection agents verbal abuse and coercion against me, disclosure of the debts to 3rd parties, forceful intimidation, falsification of communication records and failure to abide by repeated cease and desist requests for no contact on any debts owned past, present, or purchased in the future by them.
Company Response: Closed with non-monetary relief
2019-09-19
HI
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: States I opened an account on XX/XX/2018. I had not opened an account with portfolios recovery at all or with anywhere else. Its false to state that I opened an account on date stated above.
Company Response: Closed with explanation
2019-09-19
Hinsdale, IL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Hi Portfolio recovery associates has enter debts that wasn't verified and credit bureaus are not doing verification neither and I need something to prove these are my debt. I'm not working and It's really doing a job on me keeping me from getting employment. I need to see a sign contract promise to pay
Company Response: Closed with explanation
2019-09-19
Atlanta, GA
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: This is my fourth time asking for an investigation of a PORTFOLIO RECOVERY ASSOCIATES Collections ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted Portfolio Recovery Associates with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX deleted the account because they could not verify or provide me with proof. XXXX, and XXXX have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. XXXX even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. XXXX, and XXXX always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my XXXX report to show XXXX and XXXX that this account was deleted.
Company Response: Closed with explanation
2019-09-19
Heer Park, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with non-monetary relief
2019-09-18
Oxford, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: XXXX XXXX AND PORTFOLIO RECOVERY have not taken my dispute requests seriously. I have disputed this account over 4 times this year in 2019. I have not received ANY validation documentation as asked. I have NOT gotten any responses from them aside from updating my account on with DISPUTE RESOLVED CUSTOMER DISAGREES.
I am asking for completed validation of this account and if this can not be completed within the next 30 days I want the account removed from my credit file and never added back again. I have expressed concerns that this is NOT my debt and it seems to be falling on deaf ears.
Any help in this matter will be appreciated.
Company Response: Closed with explanation
2019-09-18
Belleair Bch, FL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Company Response: Closed with non-monetary relief
2019-09-18
Stanford, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I have disputed this debt with Portfolio Recovery Associates at least 3 to 4 times. It is not my debt. The customer service representative stated that the debt came back verified in their favor.
This debt was not removed from my credit report during any verification process.
Portfolio Recovery Associates keep sending me a bill that THEY said establish validity. A bill does not make it my debt.
They have not provided any documentation with my signature or a contract.
Because I am trying to remove incorrect entries and debt from my credit report, I called for a settlement amount in order to remove it from my report. I didn't think to file a complaint until during the CSR call. I advised the CSR that I would make a complaint.
This is not my account and this is not my debt.
I am attaching a copy of their verification documents they sent me.
Company Response: Closed with explanation
2019-09-18
Santa Ysabel, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XX/XX/2016, a XXXX XXXX XXXX XXXX account was opened in my name, in the amount of {$470.00} This account is now with a 3rd party company, Portfolio Recovery. This is a fraudulent Acct.
Company Response: Closed with explanation
2019-09-18
St Heights, MI
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation