PORTFOLIO RECOVERY ASSOCIATES INC

2019-09-03

Main Office, VA

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

2019-09-03

Frisco, 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

2019-09-03

Mount Tabor, NC

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

2019-09-03

PA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: 1. Received " mail forwarded '' letter from XXXX XXXX XXXX, Magistrate, XXXX XXXX PaXXXX Letter was hearing notice for XX/XX/2019 at XXXX XXXX : XXXX XXXX of Portfolio Recovery in XXXX Pa XXXX versus XXXX XXXX. Portfolio Recovery wants to collect {$1700.00} from me, XXXX XXXX. 2. I called magistrate office to inform them that I have never had ANY business dealings with Portfolio and I Have a medical appointment that day. Magistrate said they would reschedule it. 3. NEXT, I wrote and sent signature mail letter to Portfolio, XXXX Pa on XX/XX/2019 requesting much information to validate this debt. I never made agreement or signed anything with Portfolio in my life. 4. Mail tracking showed they received the letter on XX/XX/2019 at XXXX XXXX. 5. On XX/XX/2019, I received a letter from XXXX XXXX XXXX/Portfolio in XXXX Texas XXXX saying that my file was being placed on Hardship hold. I am to send " hardship documentation '' proving my hardship. They don't say what documentation they mean and they give no time limits or anything. The letter provides NOTHING about the validation that I am indebted to them that I asked for on XX/XX/2019. 6. I received ANOTHER letter the same day, XX/XX/2019, stating that they have electronic file of original creditor. THEY VALIDATE NOTHING OF ANY CONTRACTS, BILLS I PAID, OR TRANSACTIONS BETWEEN PORTFOLIO AND XXXX XXXX. THAT IS BECAUSE I HAVE NEVER DONE ANY BUSINESS WITH THEM. THEY ALSO DO NOT STATE THAT XXXX XXXX HAS CHARGED OFF THIS DEBT AND PROBABLY FILED AS A TAX LOSS. 7. I also do not know what " file is on hardship hold " means in regard to a new hearing for XXXX XXXX. I never received a notice letter because as I learned when I phoned the magistrate today, XX/XX/2019, they sent a notice to my previous address. 8. I live on fixed income of Social Security XXXX which is exempt from garnishments or freezes. I am XXXX years old.
Company Response: Closed with explanation

Timely Response

2019-09-03

PA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: XXXX XXXX XXXX is charging me {$1000.00} and keeps reporting it every month. I told them that my phone was stolen and tried to keep contacting customer service to shut down my plan 3 years ago and would never listen to me. This occurred over 3 years ago but they keep reporting it and would not take any of my calls after numerous attempts to try to contact to fix this issue immediately. XXXX is charging me from XXXX XXXX of XXXX XXXX. I fell and hit my XXXX at XXXX XXXX because the floor was wet and hit on my XXXX on marble countertop. They insisted on calling the ambulance and getting a XXXX. I tried to refuse but was forced to do so and have many fees associated with that including {$180.00} fee from the XXXX Department of a XXXX I never received! My ex, XXXX XXXX, opened up credit card accounts under my name during our relationship including numerous accounts with XXXX XXXX XXXX and drained all the money : {$670.00} {$950.00} XXXX XXXX XXXX with open balance of {$500.00}. I got a restraining order XXXX from my ex 5 years ago but the amount of fraud that took place during that relationship was detrimental to all my finances. Not only did he drain all my bank accounts that I saved for my tuition for school at the time ; he falsified my name on numerous credit cards and damaged my credit for years to come. For the past 5 years I have tried to speak with XXXX XXXX and XXXX XXXX XXXX XXXX about this identity theft and they will not budge nor help me. I was recommended by financial analyst to come to the Bureau so that I can finally help improve my credit. I am looking to pursue my education and get my XXXX and want to move to do so. Growing up after my father passed, I wanted to be able to provide one day for my mom and at the age of XXXX I feel strongly about this desire. After working corporate and start ups for the past 7 years I feel that it is time to be able to finally accomplish this dream. I know it might not seem like a lot but these debts have been causing so many issues over the years and I want to be able to move forward and I don't feel right paying someone's debt who abused me financially and I was wondering what I could do next?
Company Response: Closed with explanation

Timely Response

2019-09-03

Great Neck, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: 1.XXXX XXXX XXXX XXXXXX/XX/XXXX 2.portfolio recovery $XXXXXX/XX/XXXX inquries 1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX na 4.XXXX XXXX XXXX na 5.XXXX XXXX 6.XXXX
Company Response: Closed with explanation

Timely Response

2019-09-03

Auburn, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-03

El Paso, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: This account was settled and should not be listed as I owe, This is a mistake, please remove Portfolio Recovery
Company Response: Closed with explanation

Timely Response

2019-09-02

Sandy Hook, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: portfolio Recovery as of yesterday reports monthly on my XXXX report that I owe them XXXX now they send me mail, bills and letters stating I owe from a XXXX XXXX Credit Card. portfolio Recovery is also playing on my XXXX also as XXXX XXXX XXXX. I have told them over and over I never had a XXXX Credit Card. They have a statement with a bill on it to say it mine and the person on the statement has an address of XXXX XXXX XXXX XXXX, CT. Since I made a few complaints they call daily, they send me bills and statements and now they Harass me by reporting monthly and only on my XXXX report. The other who credit reporting agencies have deleted portfolio Recovery. XXXX will not prove or give me a chance after one time of disputing so therefore portfolio Recovery has the free will be report what they want on my credit. Please look into this. I feel as though this is my last attempt to argue this as they are violating my rights and if this can not and will not be removed. An Attorney is their next best argument.
Company Response: Closed with explanation

Timely Response

2019-09-02

Detroit, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-09-02

Murray, UT

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: Portfolio Recovery reported they ceased all reporting to the credit bureaus but I have verified with XXXX XXXX and XXXX customer services they are still reporting this debt to these credit bureaus and there is NO REQUEST from PRA for removal. They have provided false statements to the CFPB.
Company Response: Closed with explanation

Timely Response

2019-09-01

Tucson, AZ

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: For years I have been getting calls from Portfolio Recovery regarding debt I dont have. Im XXXX years old and never had a job, credit/debit card, went to college, hospital without insurance or anything of that sort. I have no debt, but the calls are nonstop. My number is even on the Do not Call registry. Yet still, it happens nearly single day ( sometimes multiple times a day ) from different numbers. I usually ignore, look up, then delete the number but have been keeping them in my call log so I can provide proof. In the past week I have been called by : ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 and they are all Portfolio Recovery numbers.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-01

Garrison, MD

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-09-01

FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I recently received a copy of my annual credit report. There was a collection agency by the name of portfolio recovery associates listed as a collection on all three credit bureaus. The debt amount is XXXX. This is not my debt. I sent a letter to them asking them to remove this collection immediately because of the negative impact this erroneous debt could have on my credit profile. This debt has affected my credit score negatively which causes financial harm to me and my family from qualifying for different financial services. I sent them a letter dated XX/XX/2019 that this is not my debt and for proof that it belong to me per the Fair Debt Collection Practices Act. They replied back with a letter dated XX/XX/2019. All I received was a two page statement of alleged charges. This does not meet the Federal Trade Commission guidelines that constitutes proper debt validation. Therefore I request immediate removal of this erroneous debt in the amount of XXXX from all three bureaus. If you don't comply you are subject to a fine up to one thousand dollars plus punitive damages. I'm sure that your legal staff would agree that non compliance with this request could put your company in serious legal trouble with the FTC.
Company Response: Closed with explanation

Timely Response

2019-09-01

Arlington, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-09-01

Jamaica, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-31

Birmingham, AL

Took or threatened to take negative or legal action

Debt collection: I do not know

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

Timely Response

2019-08-31

Nyc, NY

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: Under the FCRA Part ( A ) ( 5 ) ( ii ) all credit bureaus XXXX, XXXX, and XXXX failed to provide me in writing of any sort stating that old alleged debts would be permanently added to my credit report. They did not comply with 5 day notice actually zero notice.This has dramatically impacted my credit score and disabled me from rebuilding my credit. They continue to add the alleged outdated debts to all my credit reports with zero notification and I am formally requesting that all credit bureaus follow the rules to protect us consumers and effective immediately remove permanently the alleged aged debts without providing any notification. They are both from Portfolio Recovery in two seperate amounts the first one being in the amount of {$680.00} and {$620.00}.
Company Response: Closed with explanation

Timely Response

2019-08-31

Beyersville, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: On or about XX/XX/XXXX this year I received a letter from Portfolio Recovery Associates, LLC demanding payment on a debt that is not mine. On XX/XX/XXXX I informed Portfolio Recovery Associates that the debt was not mine and requested that they provide me with all of the documentation that made them believe that it is mine. On XX/XX/XXXX I received the response from Portfolio Recovery Associates rejecting my dispute and insisting upon full payment. It included a copy of a letter from the original owner of the debt XXXX XXXX to the real debtor and a summary page with the past due amount. Incidentally, all of the bank correspondence to the debtor was sent to an address in Florida. At this point I thought it best to hire an attorney. On XX/XX/XXXX my attorney sent a letter to Portfolio Recovery Associates requesting further information. He specifically asked for a complete executed copy of any agreement between XXXX and myself. On XX/XX/XXXX Portfolio Recovery Associates again responded but did not send the information he specifically requested. All he received were more summary credit card statements. The reason that Portfolio Recovery Associates can not provide any proof that it is my debt - is because it simply does not exist. And yet, on XX/XX/XXXX and again on XX/XX/2019 Portfolio Recovery Associates informed the credit reporting company XXXX that this account was in collection under my name. The facts are : 1 ) all correspondence from XXXX to the real debtor were sent to XXXX XXXX, XXXX XXXX XXXX CT XXXX, FL XXXX. I have never lived in or even visited Florida. Tax and real estate records will prove this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this. 2 ) I have a history of paying the balance on my credit cards every month and have done so for at least 20 years. I do not let credit card debt accumulate nor do I make late payments. A simple review of our credit history would have verified this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this also. I believe that Portfolio Recovery Associates is in violation of The Fair Credit Reporting Act ( FCRA ) Section 623 by reporting this disputed account to credit reporting agencies after being informed ( multiple times ) that the information is inaccurate. In addition to what I told Portfolio Recovery Associates multiple times, they also have access to my credit history and dealings. Together they would cause a reasonable person to have substantial doubts about the the accuracy of their information. Portfolio Recovery Associates can not provide me with any substantive documentation regarding this account such as the original consumer contract that my attorney asked for three months ago. Once again, on XX/XX/2019 I demanded to see all verifiable proof ( an original Consumer Contract with my signature on it ) that they have on file for this account. Since Portfolio Recovery Associates falsely and maliciously informed XXXX that this debt is mine my credit score and rating have dropped substantially, damaging my reputation and impacting my ability to get future credit. This has caused me great pain and mental anguish. Because of this I have filed a complaint with the Texas Attorney Generals Office ( complaint number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau. I am also now looking to retain a legal firm specializing in consumer protection matters. I will incur further cost to correct Portfolio Recovery Associates ' errors.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-31

Katy, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-08-31

Katy, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-08-30

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: As of the date of this letter you and and have violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )
Company Response: Closed with explanation

Timely Response

2019-08-30

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Portfolio Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Date : XX/XX/XXXX Re : Acct # Comenity Bank To Whom It May Concern : This letter is being sent to you in response to recent communication.This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), 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 which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In addition to this formal letter, Portfolio Recovery Services stated that they never received any dispute allegations on this noted account but they have been updating the account with and I quote Disputed by customer, customer disagrees since XXXX. Portfolio Recovery Services should not have to lie to prove that I am the intended party for this debt. There is no signature or any validation stating I was the party responsible.
Company Response: Closed with explanation

Timely Response

2019-08-30

Boise, ID

False statements or representation

Debt collection: Credit card debt

Told you not to respond to a lawsuit they filed against you
Complaint: So this all started on the XX/XX/2018 and that's about the time they sent me several letters they had called me several times but never left a message to let me know that it was them I think that was to do with the law or something but the whole matter is that the day of the court case which was of XX/XX/2018 when that was filed well we had made arrangements before it had to go to court like it did and I had been trying my best to she thought in contact with them and we came up with paying {$30.00} each week I was doing that and this process I get another thing saying that the court case was still happening to my knowledge I was told that it wasn't going to happen I called them I asked them about this they said do not worry about this they said in this case you do not have to go to court because we've already made payment arrangements on this and you have been paying at this time like you should so I've been paying and then I get another one a week later from the first one that I got stating that now to court case has gone through seeing how I did not show up that I lost the case I was told by these people that I did not have to show up to the case because everything was taken care of they lied to me about this in the end they are garnishing my wages which whatever the whole thing is that they tacked an the whole thing is that they tacked an extra {$450.00} on what I already owed them after I just paid off {$550.00} but they had already been paid out is a $ {$1400.00} bill so with that I just found this page and read everything and saw that oh my God they can't do this so that's why I'm getting a hold of you please look into this case XXXX XXXX XXXX is the attorneys that filed this through a place called Portfolio Recovery XXXX XXXX is who had the debt at the time the original debt comes from MasterCard credit card something that happened 7 or 8 years ago I'm not sure but there's one thing that I know is that they lying to me about this and now that I see that they can't get away with that that it isn't law that they can not lie to you which I did not know I thought they could do whatever the XXXX they want if you owed something somebody II do anything they want I did not know that there were stipulations on this so that's why it took me so long to get a hold of somebody
Company Response: Closed with explanation

Timely Response

2019-08-30

Swansea, MA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response