PORTFOLIO RECOVERY ASSOCIATES INC

2019-08-06

Warren, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are only a few of the phone numbers for past year. Their company name : PORTFOLIO RECOVERY SERVICES. They have called me since XX/XX/XXXX. ( I did have an outstanding credit card which I paid off to them in XX/XX/XXXX, because I was homeless and had 1 credit card that fed me. Now they have a different account. They continue to call from many numbers, at least 4x 's per day. ( They always wake up my Grand Daughter ) They sent bank XXXX from the 2000 's that were not mine. ( 20 years ago )
Company Response: Closed with non-monetary relief

Timely Response

2019-08-06

Long Beach, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Portfolio Recovery Associates, LLC, a debt buyer, attempts to collect an old debt that has reached its statue of limitations under new California Law. PRA, LLC continues to report negative and misleading information to XXXX, as a result of inconvenience of applying various loans.
Company Response: Closed with explanation

Timely Response

2019-08-06

Discovery Bay, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: My complaint is against PORTFOLIO RECOVERY ( Original Creditor XXXX XXXX ) collection agency, Account # XXXX Balance XXXX, date open XXXX. I sent this company back in in XX/XX/2019 a letter stating that Im a real victim of fraud and the account that they have on my reports does not belong to me. I sent them a copy of a Police report from XXXX XXXX POLICE DEPARTMENT, a copy a Federal Trade Commission Report and letter. This company disregarded a police report and are still reporting a fraudulent account to my reports. I want this company to delete immediately that fraudulent account from my reports and a deletion letter through CFPB portal as soon as possible. Im also attaching the police report I sent them, the letter I sent them and the FTC report that they received. If I dont a quick response I will file this case in court. Thank you!
Company Response: Closed with non-monetary relief

Timely Response

2019-08-06

Leeton, UT

Incorrect information on your report

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

Account status incorrect
Complaint: Portfolio Recovery Associate # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Company Response: Closed with explanation

Timely Response

2019-08-06

Birmingham, AL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-08-06

Houston, TX

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

2019-08-06

Lewiston, NY

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I have received multiple calls per day, every day, with no voice messages left from Portfolio Recovery Services. I have e-mailed them ( [email protected] ) two separate requests asking that all calls to my cellphone be ceased and that all business they may have with me be handled through standard US mail.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-05

Ridley Park, PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: They took me to court but kept changing the date so I wasnt aware it happened until after the fact. Ive emailed and called portfolio recovery many times to set up a payment plan but they say i need an account number that my name and social security number dont show up in their system. So they keep hitting my credit report for late payments but how can I resolve it if they cant find me in there system and since the debit they are asking for was from a XXXX credit card from 6 years ago how do i know an account number. What am I supposed to do?
Company Response: Closed with explanation

Timely Response

2019-08-05

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: Portfolio Recovery Associates with account XXXX states this debt should have been deleted XX/XX/2019 I want this account totally removed from all credit bureaus effective immediately they are negatively impacting my credit report.
Company Response: Closed with explanation

Timely Response

2019-08-05

Katonah, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Portfolio recovery calls at least 5 times a day and they never leave messages. Every day I get calls from different states. In never had anything with this company. I just need them to stop harassing me. I did some research and they are included in a bad list by consumers.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-05

Bloomington, MN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-05

Barry University, FL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-08-05

And, SC

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
Company Response: Closed with explanation

Timely Response

2019-08-05

Seneca, SC

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I have on numerous occasions ask for verification on an account that is showing on my credit report for Portfolio Recovery. My latest attempt was made in XX/XX/2019 by requesting in writing to all three credit bureaus that this debt be physically verified and that I receive a copy of any and all signed consumer contracts, all original documents in reference to the account, a valid proof of chain of assignment and sum certain showing the total history of the account in which I have received nothing but a statement which only shows an amount due of a total of {$870.00}. I have sent letters to both the creditor as well as the credit bureaus asking for the above information and have yet to receive anything. I did receive a letter from each credit bureau stating the account was " verified '' and on XX/XX/2019 I reached out to all 3 companies ; XXXX, XXXX, as well as XXXXXXXX, stated that they are only responsible for submitting the request electronically and then it is up to the creditor to respond if it is valid. I find it very upsetting that all 3 credit bureaus are able to report this on my credit report and no one will show proof of the account.
Company Response: Closed with explanation

Timely Response

2019-08-05

Juniper Hills, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-04

Wrentham, MA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: In XXXX Portfolio Associates a collection agency at XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, formally sued me in court for a credit card debt ( this credit card was originally issued by XXXX XXXX XXXX ) Both Portfolio Associates and XXXX XXXX XXXX failed to notify me legal action had been taken against me. It was only after a lawsuit was filed in court was I notified by the court a hearing date had been assigned, and I was required to be present in court. I did appear in court and the Attorney Portfolio Associates sent to represent them ( back in XXXX ) was extremely confused about this case and the associated debt he asked for a continuance. He was unable to obtain the documentation I was requesting. I was hoping to speak with a Judge or anyone associated with the court to plead my case and tell them what Portfolio Associates and the numerous law firms and Attorney 's assigned to this case had been doing to me. After I was I made aware of this law suit ( by the court ) I immediately contacted Portfolio Associates and XXXX XXXX XXXX in the hopes of reaching someone that had any information about this lawsuit and why I had been sued. Portfolio Associates told me multiple times they knew nothing about this case as my name did not appear in their system. I continued to call hoping to reach a Supervisor or Manager, but my telephone calls were placed on hold for extended periods of time only for Portfolio Associates to eventually disconnect my calls. I called XXXX XXXX XXXX and they also told me my account was no longer in their system and they had no information with respect to what happened to my account. Taking a step back, Portfolio Associates filed papers with the court indicating I was served a court summons to appear in court by a Sheriff at my place of residence ; however, this is one hundred percent false. Portfolio Associates claims to have sent me additional paperwork which is also 100 % false. Despite my very best efforts, I received nothing in the way of communication from Portfolio Associates. In XXXX, I had requested to see the Sheriff 's summons and other proof of communication from Portfolio Associates regarding the legal action they took against me. They are unwilling and unable to provide proof of the court summons allegedly served by a Sheriff because this never happened and documentation from a Sheriff does exist. It is my opinion, this action never took place, and no such summons was ever created or delivered. I believe Portfolio Associates has misled the court in writing which is now permanent record. I was eventually sent a set of questions from the first of three law firms handling the case, which I responded to disputing the debt. I did this within thirty days as required. I informed Portfolio Associates ( and the court ) I completely disagreed with this debt and the amount of money Portfolio Associates claimed I owed them since XXXX XXXX XXXX had charged off the account and Portfolio Associate somehow purchased the charged off account. After numerous requests, Portfolio Associates is not able to provide proof or substantiate the validity of this debt ( in terms of what they claim I owe after the bank took a charge off ) Further, they are unable and unwilling to provide me with detailed paperwork pertaining to the alleged individual charges they claim I made using the credit card in question issued by XXXX XXXX XXXX. I do not know or understand how Portfolio Associates came to own this account as I was making timely payments to XXXX XXXX XXXX as recently as XXXX. I was sued by Portfolio Associates in XXXX. I never once heard from XXXX 's XXXX or Portfolio Associates via mail or any other method that they had intended to sue me ; therefore, I was completely denied the opportunity to respond. The case had originally been assigned to a Massachusetts Law firm that disbanded, and was shut down making it impossible for me to track down the Attorney that had sued me on behalf of XXXX XXXX XXXX and Portfolio Associates. Portfolio Associates claims they own the account and XXXX 's has nothing to do with it now. Since that time the account has been handed off to numerous different law firms and multiple different Attorneys forcing me to start from scratch each time a court date is set. I keep trying to unwind this mess in order to understand why I am being sued and over what. I have tried my absolute best to navigate this situation, but since the law firms and Lawyers keep changing, I can't make any head way in terms of establishing and keeping communication with anyone regarding this law suit, which is fully underway. I can't stress enough, XXXX XXXX XXXX and Portfolio Associates never communicated with me in any form whatsoever to inform me I was being sued in open court. On top of all of this, communication with the multiple law firms and the numerous Attorney 's Portfolio Associates has handed this case off to has been impossible. Portfolio Associates and XXXX XXXX XXXX have stone-walled me. I have been informed Portfolio Associates is seeking a Judgment against me for 100 % of the debt, and will accept nothing less.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-04

Nyc, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I requested my annual free credit report noticed so many charges from portfolio recovery associates I called them numerous times they just demanded money. I requested a debt validation letter several occasions over the phone and finally through the mail and still no response. What I do see is that they will randomly add new items and delete and vice versa, but 30 days since my request for a debt validation have passed and still nothing so Im demanding they remove all alleged debts.
Company Response: Closed with explanation

Timely Response

2019-08-03

Sandy Hook, CT

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: Harassing telephone calls at XXXX and XXXX in the morning. I have repeatedly asked them to verify what is in collection and they refuse to tell me. I have no accounts in collection on any credit reports. I have repeatedly blocked numbers and have tried to call the company back to find out more information but they will not tell me what they think is in collection.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-03

Cleveland, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-03

Pardeesville, PA

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

Timely Response

2019-08-02

Pardeesville, PA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2019-08-02

Lake Charles, LA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: I continue to be pursued by Portfolio Recovery mentioned in my complaint # XXXX. In my additional comments I requested that they cease and desist. I just recently received a letter dated XX/XX/XXXX from Portfolio Recovery trying to claim a debt from another creditor, XXXX XXXX. My data was breached by the XXXX Data Breach and since the breach I have gotten collection claims from Portfolio Recovery for several of my creditors ( i.e. XXXX, XXXX XXXX, XXXX ). Therefore, I requested a copy of my credit report and Portfolio Recovery was listed on my report as being in default with payments. I do not have any agreements with this company, nor do I owe this company any money. This company has never presented any written agreements to me indicating that they were acting on behalf of any of my creditors. I disputed the claim and their response to the dispute was copies of statements that were never mailed to me by my creditor. ( This only proves that there has been a serious violation of my private information. ) I have attached a copy of one of the statements Portfolio Recovery sent in response to the dispute. On the XXXX statement dated XX/XX/XXXX, that Portfolio Recovery sent me, shows a credit limit of {$8500.00}. Clearly this statement was altered because a closed account would not show a credit limit. This is the type of tactics they practice to collect money from people. Also attached is a statement I received from XXXX in XXXX of XXXX that clearly shows the credit limit as XXXX. This account was closed in XXXX and I continued to pay off the balance. In XX/XX/XXXX I received collection statements from XXXX XXXX representing themselves as a collection agency for Portfolio Recovery Associates. In XX/XX/XXXX, XXXX XXXX filed a petition against me claiming they were representing Portfolio Recovery Associates. I filed my Answer denying the claim within ten days and requested, on the court document, that XXXX XXXX cease and desist from further contact with me, from all phone calls, mail correspondence and court petitions. I then filed a complaint ( # XXXX ), as mentioned above, against XXXX XXXX, and also requested that Portfolio Recovery cease and desist from their pursuit of false claims. I want Portfolio Recovery to remove themselves from my credit file with all three credit reporting agencies. I want them to cease and desist from pursuing me for monetary gain.
Company Response: Closed with explanation

Timely Response

2019-08-02

NJ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation to verify an alleged debt owed by me to PORTFOLIO RECOVERY ASSOCIATES in the amount of $ XXXX.Verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) through the physical verification of an original signed consumer contract has not been established and I have yet to recieve the documentation that I have requested.They continue to be in violation of the FCRA and the FDCPA and are causing severe damage to my credit report.
Company Response: Closed with explanation

Timely Response

2019-08-02

Halyoke, MA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment. 2 ) That all correspondence take place in written form only. 3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period. 4 ) Your office will mail all correspondence to my home address or my email at XXXX. Thank you for your consideration in this matter. XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-08-02

NJ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation to verify an debt owed by me to PORTFOLIO RECOVERY ASSOCIATES in the amount of {$730.00}. Verification according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) through the PHYSICAL verification of an original signed consumer contract has not been established and I have yet to recieve the documentation that I requested. They continue to be in violation of the FCRA and the FDCPA and are causing severe damage to my credit report.
Company Response: Closed with explanation

Timely Response