PORTFOLIO RECOVERY ASSOCIATES INC

2019-09-17

Stafford, VA

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-09-17

Damascus, PA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: several things to report. Many robo Calls to cell phone and landline with many different numbers which I looked up and it is Portfolio Recovery Associates. They have tried to sue me and I entered an intent to defend. I sent this intent to them certified letter and receipt return which I have. I did this on time and now received a letter from their attorney stating I did not enter defense or objections. So states I am in default. The letter they sent is dated XX/XX/2019. It was sent regular mail and they signed for my registered letter to defend on XX/XX/2019. Letter they sent was postage stamped XX/XX/2019 and I received it on XX/XX/2019. It states to respond in 10 days when it was received 9 days after their letter is dated. And again sent regular mail. They received my defense and required documentation to dispute and they are still calling both my cell phone and house phone. I also had a previous collection company send me communication about this debt which I requested verification for this debt with no response.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-17

Houston, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Portfolio Recovery Association representing XXXX XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1600.00} XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-09-17

Fresno, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I have two XXXX XXXX accounts that were apparently charged off and bought by this company, but they have very similar amounts, and the same account number. I've only ever had one XXXX XXXX product. The dates are similar too. I am requesting validation of these debts as they do not make sense.
Company Response: Closed with explanation

Timely Response

2019-09-17

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 LLC 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 thisrequirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC this account was already disputed with another collections agency that in turn sold it to PORTFOLIO, THEN 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 LLC 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 LLCis 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 LLC 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 LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-17

NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: By certified mail I sent a request to Portfolio Recovery Associates to validate debts that they have falsely listed on my credit report. The request was received on XX/XX/2019, but Portfolio Recovery Associates did not respond to the request. This is a violation of my rights of a consumer according to FCRA and these accounts should be removed from my credit reports. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This was my exact request to Portfolio Recovery Associates below. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Portfolio Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-17

Marigold, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2019-09-17

Coppell, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2019-09-17

Vero Beach, FL

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-09-16

Norwalk, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Portfolio Recovery representing XXXX XXXX NV l has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1800.00} XXXX XXXX NV
Company Response: Closed with non-monetary relief

Timely Response

2019-09-16

Boston, MA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: This complaint is based on violations of the FCRA, the FDCPA and the Massachusetts Consumer Protection Act 940 CMR sec. 7 and MGL Chapter 93A sec. 2 by Portfolio Recovery Associates ( PRA ). ___ On XX/XX/2019, I reviewed my credit report and saw a collection account reported by PRA in the amount of {$230.00}. ___ On XX/XX/2019, I mailed to PRA a request for validation of debt. I requested all of the materials required by Massachusetts law and the FDCPA. PRA received my letter on XX/XX/2019 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. I have attached a copy of that letter. ___ On XX/XX/2019, I disputed the account thru the credit bureaus. My dispute included the following : I am not responsible for this account AND [ PRA ] failed to validate the debt by not providing the required materials under Massachusetts law and the FDCPA. ___ Despite the failure and/or refusal of PRA to validate the debt, they falsely instructed the credit bureaus that the account was verified in order to wrongly prevent its removal from my credit report. ___ On XX/XX/2019, nearly six ( 6 ) months later, PRA mailed me so-called validation of debt, where the amount they demanded was more than the credit card statement they provided in their alleged proof that the debt was owed. ___ The facts show that PRA falsely verified a balance with the credit bureaus of {$230.00} when the statement they provided shows a balance of {$220.00}. Further, PRA clearly did not have the statement in their possession to substantiate their credit reporting until several months later as evidenced in their delay in providing that statement. In a recent FCRA decision against another debt buyer who verified information to a credit bureau without account-level documentation, the court ruled as follows : A jury could also find that because [ the buyer ] retained the right to seek account-level documentation through its agreements with [ the sellers ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ). XXXX Not only did PRA provide evidence that they were overbilling me, they also did not provide me with the remaining materials that would validate the debt as required by state and federal law. ___Based on the aforementioned facts ( and supported by the attached Exhibit ), PRAs conduct includes the following : XXXX_ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that PRA failed to cease collection of the debt without providing me verification of the debt that was consistent with the amount they demanded. ___ ( b ) Violation of Mass. law 940 CMR 7.08 ( 2 ) ( a ) and MGL c.93A sec . 2 for continuing collection activity while failing to provide me copies of any papers bearing my signature. ___ ( c ) Violation of Mass. law 940 CMR 7.08 ( 2 ) ( b ) and MGL c.93A sec . 2 for continuing collection activity while failing to provide me a full transaction history itemizing the alleged debt. ___ ( d ) Violation of 15 USC 1632 ( d ) ( 1 ) for failing to provide me with a copy of the credit card agreement, or a link to the agreement on an internet site such as the CFPB cardholder database. ___ ( e ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount, or legal status of the debt. ___ ( f ) Violation of the FDCPA 15 USC 1692e ( 8 ) in that they communicated credit information which is known or should be known to be false. ___ ( g ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit bureaus. ___ ( h ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to consider all relevant information provided in my dispute to the credit bureaus. ___ ( i ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverified information on my credit reports.
Company Response: Closed with explanation

Timely Response

2019-09-16

TN

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: I was victim of data breach that resulted in charges. Contacted original debitor, XXXX XXXX, explained and sent information to them. They continued to try and collect. XXXX sold debt to portfolio recovery. I advised them of issue. They called my XXXX year old daughter and told her I would be arrested if I didn't call or pay. Called my sister in law as well. Now they have filed a civil summons for XX/XX/2019.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-16

TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I never received notification of this debt. Nor have i received notification of my right to dispute this debt
Company Response: Closed with explanation

Timely Response

2019-09-16

TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I have this account showing on my credit report but I never received notification from the debt collector.
Company Response: Closed with explanation

Timely Response

2019-09-16

Bronx, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.
Company Response: Closed with explanation

Timely Response

2019-09-16

Greensboro, NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: PORTFOLIO RECOVERY, LLC is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account. This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied. This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then Portfolio Recovery, LLC has no claim. I hereby irrevocably refuse to consent/contract to Portfolio Recovery, LLC agency because there is no law required for this consumer to do so. Until Portfolio Recovery, LLC agency can provide a lawful authority by which this consumer is subject to comply with submitting to Portfolio Recovery, LLC or jurisdiction in violation of my rights to be free of involuntary servitude. This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) Portfolio Recovery is hereby warranted to Proof of Claim in Arbitration.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-16

Chula Vista, CA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-09-16

TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I never received notification of this debt. I also never received notification of my right to dispute this debt
Company Response: Closed with explanation

Timely Response

2019-09-16

TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I never received notice of this debt and I never received notice of my right to dispute this debt
Company Response: Closed with explanation

Timely Response

2019-09-16

Bean Blossom, IN

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-09-16

TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I never received notice of this debt. I never received notice of my right to dispute this debt
Company Response: Closed with explanation

Timely Response

2019-09-16

TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: This item is on my credit report. I never received notification from this company. I also never received notification of my right to dispute this debt
Company Response: Closed with explanation

Timely Response

2019-09-15

Norfolk, VA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: On XX/XX/2019 I called pra because they showed up on my cbr while talking with the rep I asked what is the ssn they have on file she stated a ssn that doesnt match mine. I dont understand how they can add something to my cbr and the ssn doesnt match
Company Response: Closed with explanation

Timely Response

2019-09-15

NJ

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I am constantly receiving calls from Portfolio llc, I have spoken to them on a couple occasions and fully explained my financial situation on Thursday XX/XX/2019, I had ask them to stop calling me and that their calls were becoming a point of harassment they stated that they would note the account to have the phone call stopped. As of XX/XX/2019 they still continue
Company Response: Closed with explanation

Timely Response

2019-09-14

Raymond, NH

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I have been called at least twice a day from portfolio recovery. They call from a different phone number each time they have called. I have asked them to stop on multiple occasions. The phone calls started XXXX of 2018 and have continued right to this day. Sunday- Saturday they never stop.
Company Response: Closed with non-monetary relief

Timely Response