PORTFOLIO RECOVERY ASSOCIATES INC

2019-08-19

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 has failed to contact the XXXX police department to retrieve the police reports in regards to this fraudulent debt. Detective XXXX XXXX notified me that there are zero request from Portfolio Recovery for case #XXXX. It is their responsibility to obtain these police report documents! They continue to report this debt anyways to all 3 major credit bureaus as 100% complete and accurate under my name anyways which is a willful and direct violation under the law.
Company Response: Closed with explanation

Timely Response

2019-08-19

Chesapeake, VA

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 explanation

Timely Response

2019-08-19

Reno, TX

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: ON XX/XX/2019 an associate from portfolio recovery called me about a debt that is over the statute of limitations in Texas. The associate told me that due to the age of the debt that they could not sue me but they continue to call harassing me after I told them to stop.ON XX/XX/2019 - someone from portfolio recovery called again and repeated the same information as the day before On XX/XX/2019- an associated called again and I ignored the callON XX/XX/2019 an associate called again once again I did not answerON XX/XX/2019 another called that I declinedON XX/XX/2019 another call that I declined Portfolio Recovery has been harassing me for about two consecutive months and I want it to stop.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-19

Sebring, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Kept calling multiple times a day. Attempting to make debt look more recent than it is. Forgive debt for all harassment.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-19

Sandy Hook, CT

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: I sent Portfolio Recovery XX/XX/2019 a Cease & Desist letter as they are not my original creditor and I do not wish to work with them. I had this letter notarized by XXXX, CT. town hall notary as well. I requested that they remove all negative reporting they have reported to XXXX, XXXX, and XXXX. I am putting the CFPB on notice as to what is happening because I am not confident that they will respect my request. I have a copy of my Cease & Desist notarized should it be needed that I sent Portfolio Recovery.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-19

Juniper Hills, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: On XX/XX/2019and XX/XX/2019I received a letter from Portfolio Recovery Associates,LLC In response to a dispute related to a XXXX XXXX Credit Card. That did not apply for. They stated that I owe XXXX I have not apply for a XXXX credit card.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-19

Paramount, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-18

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-08-18

Lewiston, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I reached out to Portfolio Recovery in XX/XX/2019 to request the removal of this collection account from all 3 credit agencies after completing a 3 month payment plan. They agreed to this on a recorded line twice. During the original conversation, the agent read a script to me that stated that not only would this account be removed but all accounts under my same name and information. The final payment was completed in late XX/XX/2019. As of today XX/XX/2019 the account is being reported as settled, but not removed as we had originally agreed upon. Also, since contacting them, they are now sending me collection letters for my deceased father.
Company Response: Closed with explanation

Timely Response

2019-08-18

Clermont, IN

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-08-17

Lb, CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: They keep trying to collect on a debt that i've disputed, is not on my credit report, and the statute of limitations has expired on. The name of the company is Portfolio Recovery. They call me two to three times a day and are spoofing their caller id to show up as phone numbers that don't belong to them. They are using the same tactics as robocalls and ive asked them to stop but they address rude and threaten me all the time. They are calling me using a robocall and this is my cell phone which does not get free minutes.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-17

San Diego, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Repeated calls. Asked them not to call during day while working. Repeated calls on Sunday
Company Response: Closed with non-monetary relief

Timely Response

2019-08-17

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-08-17

Moreno Valley, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-08-17

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: On or about XX/XX/XXXX, I incurred a debt with XXXX XXXX owned by XXXX XXXX XXXX XXXX. I received my last billing notice about XX/XX/XXXX. I made no further payments. XXXX XXXX XXXX XXXX SOLD my debt to PORTFOLIO RECOVERY ASS, LLC. The Florida Statute of limitations ran XX/XX/XXXX, I was absolved from this debt according to law. Between XX/XX/XXXX and XX/XX/XXXX, I corrected my credit issues and purchased a home with a mortgage. There were no collections on my credit report at this time. By approximately XX/XX/XXXX, PORTFOLIO RECOVERY ASS., LLC, contacted me in an attempt to recover this debt. I filed a complaint with both Credit Bureaus. I was informed that this debt was on my credit report since XX/XX/XXXX, which is clearly incorrect. I have attempted to work with PORTFOLIO RECOVERY, without avail. This blemish needs to be removed from my credit history immediately.
Company Response: Closed with explanation

Timely Response

2019-08-16

Miami, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-16

North Kortright, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Portfolio Recovery Associates is illegally re aging an account which I have disputed and do not claim ownership of on my XXXX Credit Report in violation of FCRA Section 623 ( 5 ) ( A ). They have not validated any of my disputes yet on my XXXX Credit Report it shows an collection account as " current ''. They have never validated the alleged debt of which I disputed twice, not provided who the alleged Original Creditor was, nor have provided a history of activity on that account to validate the status. It appears on XX/XX/2016 on my XXXX credit report was the date this disputed account was opened. However at no time has the disputed account been validated, nor has the status as " current '' been validated with evidence of any activity from me. I am requesting that Portfolio Recovery Associates validate the information including providing who the alleged Original Creditor was and provide information validating the information under the FCRA. If they can not validate the information then I am requesting deletion from my credit report.
Company Response: Closed with explanation

Timely Response

2019-08-16

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-16

PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: They keep calling everyone in my family 's cell phones my house phone 12 times a day plus. claiming there is a warrant for my arrest in XXXX XXXX Delaware a state I have not lived in for 2 years. They keep harassing my family and their cellphones. They say they are process servers but they are not.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-16

Penn Hills, PA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-08-15

Grangeville, LA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: The original company that owned this debt was XXXX XXXX. I had a balance on the card and ran into financially issues and had to put the payments aside for a few months but the delinquency never populated onto my credit report. I thought that was odd. I had to call XXXX XXXX one day to see if I could work out a payment plan with them, They asked my information they said the information they had did not match what I was giving them. I told them the original card was placed in my name and my name only, XXXX XXXX said their was another name and address attached to this card. I told them if they can not tell me whom the other person was I would not take responsibility for the card. They told me they saw my name but another person was showing as the primary. I was not married and did not have children old enough. So I had no idea who the primary authorized user was that was placed on my card, and what they had charged on my card. After speaking with several people the management returned my call and informed me that they found me to be the original card holder and they were not sure how the other authorized user could have been added to my account without my permission. They said they would delete the other user. I specifically told them NOT TO DELETE the other user. I asked them to make notes on my account stating what had occurred they agreed to do so but would not discredit the balance. I told them that I refuse to pay for this debt years that Is not all of mine. My account was altered without my permission allowing another user to have access to my account and use my card. I discontinued payments on the card and fought the company several times telling them I refuse to be responsible for the entire debt they were telling me I now owed. After not seeing the credit card on my credit report for years the delinquency began to population there. Years passed and the SOL was in effect so I could no longer be sued, I thought all was done, until A company called me out of the blue stating they bought the debt. I explained the story to them and they agreed that they did not want to deal with it. It went back to XXXX XXXX, and Portfolio Recovery bought the debt from XXXX XXXX .They call me all day long, send me letters. I have responded through credit reporting companies stating the debt is not mine. They respond back by sending my the credit card statements. They have not sent me any of the XXXX XXXX notes that I asked by documented nor the recordings of the multiple phone calls that took place this is not expectable. They have told me I could not be sued but have issued a derogatory mark on my credit report. It is seriously effecting my credit and I would like to refinance my house. Other than hiring a lawyer I am not sure how else to handle this company and make them remove the derogatory mark.
Company Response: Closed with explanation

Timely Response

2019-08-15

Phila, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-15

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-15

Roswell, GA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-08-15

Coral Springs, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response