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 30
2019-08-10
Cheverly, MD
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Complaint: On XX/XX/2019, a debt validation letter was delivered to Portfolio recovery associates ( as to validate an account reporting on my report. Their 30 days investigation would have ended XX/XX/2019. I have retained a copy of my credit report that shows that they have failed to report to the credit bureau up to 90 days. Therefore they are in violation for .Defamation .Negligent Enablement of Identity Fraud .Violation of the Fair Debt Collection Practices Acts ( including but not limited to Section 807-8 ) .Violation of the Fair Credit Reporting Acts ( including but not limited to Section 623-b )
Company Response: Closed with non-monetary relief
2019-08-10
Manhattan, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-08-09
Kailua, HI
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-08-09
Boulevard, NY
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-09
Ringgold, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-08-09
Memphis, TN
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: 5 year old account balance went from {$1500.00} to over {$2000.00}. Then {$2200.00} to {$2300.00} last week.
Collecting is inflating the amount owe on a old account.
Company Response: Closed with explanation
2019-08-09
N Hollywood, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-09
Greenville, SC
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
2019-08-09
Phoenix, AZ
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I realized XX/XX/2019 my husband had a judgement through Portfolio Recovery Associates LLC on a XXXX XXXX account. I paid the entire debt in full on XX/XX/2019. I have been requesting the associated documentation ever since. I have been told every day that I call it's in processing. I have called 3-10 times a week since XX/XX/2019 to request the satisfaction letter. It took me until XX/XX/2019 to get ANY sort of documentation that showed I paid the debt in full. I have been requesting the judgment be satisfied through the courts to close on a home I am purchasing. I have now filed via XXXX XXXX Court XX/XX/2019 in order to get this paper work I have now been requesting for 4 months.
Company Response: Closed with non-monetary relief
2019-08-09
New Cassel, NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-08
Alexander, AR
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-08
Santa Ysabel, CA
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Complaint: InXX/XX/2018 I took out a loan with XXXX XXXX ( through XXXX XXXX ) to pay for dental work that had been recommended to me. I later decided not to pursue treatment with that dental office ; however, with job transition and other matters I forgot about the loan until contacted by Portfolio Recovery Associates. They are seeking the repayment of the {$5900.00}, but I have disputed this amount with them due to my attempts to work with the dental office to secure a refund of the unused loan funds to XXXX XXXX. ( A small amount was used for lab fees, but most was not touched since I did not have the treatments. ) I have sent dispute emails to their disputes address, however they are ignoring the contents of my emails and assuming I am disputing the validity of the debt.
Company Response: Closed with non-monetary relief
2019-08-08
Northside, NC
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: As of XX/XX/2019, I have been receiving numerous back to back calls from different states such as Florida, Missouri, Louisiana, Illinois, Ohio, Arizona, Colorado, California, New York and Maryland. As of today XX/XX/XXXX i finally answered the phone and it was Portfolio Recovery in Utah. I asked them why have they been calling me back to back or every hour from different states. He states that they have different businesses in several states. I informed them that at this point they are harassing me calling me like this when I dont have a reason to speak with them. I dont believe that it is right for them to harass me like that especially calling me back to back every hour 2 or 3 times from different numbers.
Company Response: Closed with non-monetary relief
2019-08-08
Hinkley, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: Hello, I noticed the " Portfolio Recovery '' account ( original creditor was XXXX XXXX XXXX XXXX was still in collections a few weeks ago. I had paid this debt back in XX/XX/19.
I have a link to display the debt that was paid, but it states to not include any personal information on here. I have a case number that shows all the information of the collected debt, I disputed this debt through XXXX XXXX a few weeks ago and the result came back with " Account information disputed by consumer, meets FCRA requirements. ''
Company Response: Closed with explanation
2019-08-08
San Marcos, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was paid
Complaint: I would like the debt deleted or say paid. It says collection account paid and I was told balance would be XXXX, and paid then deleted so I paid the account even though I was not sure it was mine. They have great customer service other than what has showed up on my report.
Company Response: Closed with explanation
2019-08-08
New Port Richey, FL
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-08-08
East Troy, WI
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Since XX/XX/19, my phone has identified 22 phone calls that display as coming from Portfolio Recovery, in spite of the calls coming from different phone numbers each time, including today. There may be other calls from them using phone numbers that don't display as coming from them. I don't answer phone calls I don't know, so these calls always go to my voicemail. To date, I have not received any voicemails from Portfolio Recovery explaining why they are calling. I am also 100 % confident that I have no valid outstanding debts with any company or entity, so there is no chance that these phone calls are for a valid debt. I have not, to date, received any mail from Portfolio Recovery offering me any proof of a valid debt, as is required by law.
Company Response: Closed with non-monetary relief
2019-08-08
Lowell, AR
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Portfolio recovery calls every day even on sundays. I block the number and they call from a different number.
Company Response: Closed with non-monetary relief
2019-08-07
Arlington, VA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Portfolio Recovery Services has been calling me at least weekly, and sometimes daily or multiple times per day, for more than 10 years, and continued after I changed my phone number in early 2017. I have verbally asked them to remove me from their list on many occasions. I block the number each time they call, but they have taken to location based number spoofing. I traveled to Nevada this weekend, and they just called me from a Nevada number. I've not initiated any business with this company, nor does it appear on any of my credit reports.
Company Response: Closed with non-monetary relief
2019-08-07
Bel Alton, MD
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: On XXXX XX/XX/XXXX, I spoke with a representative ( XXXX XXXX ) who assisted with a settlement agreement to pay off a credit card originally with XXXX XXXX Account ending in XXXX who then turned it over to Portfolio. Because I was not aware of who Portfolio was when they called, they never left voice messages, but would hang up. My account was then turned over to another debt collector/XXXX XXXX/Another debt collector, Account No. XXXX The total balance owed to XXXX XXXX was {$1800.00} and the settlement agreement with XXXX XXXX was {$1400.00} in 12 installments monthly of {$120.00}.
As you will see from the bank statements provided, I have been faithful in paying monthly up until XXXX XX/XX/XXXX. When I went online to make my payment, I noticed my balance had changed from {$480.00} to {$730.00} ( see copies attached ). I contacted XXXX XXXX to find out why the balance was more than what I was showing last month XXXX XX/XX/XXXX when I made my payment. As stated by XXXX one of the Representatives. My account went in settlement default. I first asked why? And that I had not missed any payments. She could not tell me why. I then asked her if a letter had been sent out stating why? She said no, I requested a letter of all payments made, my agreement as well as the reason for settlement default. XXXX stated ; not sure we can do that.
After making the request again and ending the call. I felt it necessary to contact XXXX XXXX again and spoke with XXXX XXXX ( debt collector ) and informed him that until I receive documentation in the mail due to my settlement being defaulted. All payments would be placed on hold. Mr. XXXX informed me that it was noted to provide me with the documents as well as review my settlement agreement to determine what could be done.
I would like to also add that in the first 3 months of making my payments, I could never go on the website as it would not allow me access, so I had to contact a representative to make my payment of {$120.00}. After three months the service was up and working. Almost 3 months left to making my final payment, they decide to put my account in settlement default and request an additional {$240.00}.
Im not sure exactly what their goal or plan was however, as a customer in good standing, I believe I am entitled to the documentation that I should have received when the agreement was first put in place. However, you will see that with every conversation, I noted the amount indicated to settle. I also believe that if I have been faithful with making my payments then why the settlement default. In XX/XX/XXXX, I was receiving calls from Portfolio, however upon my returning there call they stated we can not speak with you as we do not have your loan. I then contacted XXXX XXXX and spoke with a representative ( debt collector ) who indicated they had not received a payment from me. I stated the payment was made on XXXX XX/XX/XXXX. The debt collector argued with me that she didnt know what the payment was going towards to that comment, I was puzzled.
It has been very stressful and time consuming trying to settle this debt, it has been affecting my health and causing XXXX XXXX.
Company Response: Closed with explanation
2019-08-07
MN
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: I have repeatedly told Portfolio Recovery Services to cease contact with me and they continue to call, multiple times per day, from different numbers. This is harassment.
Company Response: Closed with non-monetary relief
2019-08-07
Durham, NC
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened to sue you for very old debt
Company Response: Closed with explanation
2019-08-07
Holladay, UT
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
2019-08-07
TN
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: On XX/XX/19, a representative from this company told me that failure to remit payment of {$1000.00} immediately would result in my credit score dropping up to 100 points and inferred that I wouldnt be able to get student loans next year because an unpaid debt was on my credit report.
Company Response: Closed with explanation
2019-08-07
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Portfolio Recovery Associates added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE 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 signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. you are negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.
Company Response: Closed with explanation