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 32
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
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 explanation
2019-08-02
Suffolk, VA
Took or threatened to take negative or legal action
Debt collection: Federal student loan debt
Seized or attempted to seize your property
Company Response: Closed with explanation
2019-08-02
Miami, FL
Communication tactics
Debt collection: I do not know
Used obscene, profane, or other abusive language
Company Response: Closed with non-monetary relief
2019-08-02
Englewood, NJ
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2019-08-01
OH
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Numerous calls daily all from different numbers. Portfolio Recovery. They can send information, but they call daily from numerous numbers.
Company Response: Closed with non-monetary relief
2019-08-01
NY
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Contacted you after you asked them to stop
Complaint: I HAVE PREVIOUSLY ASKING PORTFOLIO RECOVERY COLLECTION COMPANY TO REMOVE MY PHONE NUMBER SINCE THEY CONTINUOUSLY CALL ME. TOLD THEM MY ADDRESS AND THEY CAN COMMUNICATE THROUGH THE MAIL WITH ME. TODAY, XX/XX/19, I RECEIVED A CALL FROM PORTFOLIO FROM XXXX AT XXXX XXXX. AND ADVISED THE REP THAT SHE BROKE THE FDCP OF CALLING ME AFTER I REQUESTED MY NUMBER TO BE REMOVED. HER REPLY TO ME WAS THAT WELL I HAVE YOU ON THE PHONE NOW AND WE CAN DISCUSS THIS MATTER. I HUNG UP. I DO NOT WANT THIS COMPANY CALL ME AND NOW I WOULD LIKE TO BE COMPENSATED FOR THE HARRASSMENT FROM THIS thank you, XXXX XXXX XXXX
Company Response: Closed with non-monetary relief
2019-08-01
Norwell, MA
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-07-31
Pompton Plains, NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-07-31
Phila, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-07-31
Cheverly, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: My name is XXXX XXXX XXXX. I'm disputing this compliant because I applied to an apartment and I was denied because of inaccurate information on my credit file. I am a twin sister and i have been having a lot of problems with my credit. My twin name is XXXX XXXX XXXX SS # XXXX.
( Report ID # XXXX ). XXXX XXXX XXXX ( XXXX ).
1.I am disputing XXXX XXXX XXXX I only have a debit card, and never had a charge off with them. Date XX/XX/16. Amount {$9500.00}.
2. Portfolio- XX/XX/XXXX- I am disputing - I have never had an account with them. Amount {$410.00} 3. XXXX XXXX- I am disputing because i never had an account with them. Amount {$650.00}.
4. XXXX XXXX XXXX XXXX I am disputing I never had an account with them.
Amount {$250.00} I am also disputing the inquires on my account from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Please forward correspondence to my address at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.
Company Response: Closed with non-monetary relief
2019-07-31
Scottsdale, AZ
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: The number that calls me nonstop for 18+ months now, sometimes up to 8 times a day!!! Is XXXX ( XXXX ) XXXX along with about 150 other numbers Ive had to continuously block as new ones call me. Portfolio Recovery is the name of this collector, and no exaggeration I have 2 separate lists of contacts named collections 1 and spam 1 both contacts have had over 100 # s added to them, which makes blocking them easier, but that is overkill!!
Company Response: Closed with non-monetary relief
2019-07-31
Ocklawaha, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I am in receipt of a letter dated XX/XX/19 from Portfolio Recovery Associates to collect a debt owed to XXXX XXXX. At no time did I received notification from XXXX XXXX that they have hired Portfolio Recovery Associates to collect this debt. The account number for Portfolio Recovery is XXXX. The Fair Debt Act specifically states that a creditor must send a letter to the debtor informing them that they have sent this debt to a collection agency. I never received such a notice from XXXX XXXX. I have had problems with this collection agency picking up old debts that were written off by the creditor. I am asking that this company cease and desist from attempting to collect this debt from me : XXXX XXXX
Company Response: Closed with non-monetary relief
2019-07-31
Lutz, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-31
Austin, TX
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 non-monetary relief
2019-07-31
Toppenish, WA
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation
2019-07-30
Berea, OH
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-07-30
Glendale, CA
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
2019-07-30
Denver, CO
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-07-30
Bellaire, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have sent three requests to Porfolio Recovery asking them to provide me with the documentation required by law for this company to leave this information on my credit profiles. Porfolio Recovery has refused to respond. I am also sending a formal complaint to the Virginia state attorney general and to the FTC. I was told to try this before being forced to file suit seeking the maximum monetary award allowed under the law as this derogatory entry is stopping me from purchasing a home. I also plan to sue for fraud as this company has opened an account under my name without my permission.
****************************************************************************************** I am demanding the following as required by law : * Documents bearing my signature ( Fair Credi
t Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. ) * Documentation used to verify this debt * Any documentation that shows Verifiable Proof that this judgement is mine. *Documents that show this alleged debt is not past its SOL *Proof that you are legally allowed to collect on this debt.
****************************************************************************************** If Portfolio Recovery can not provide me with the proof required I would like a letter stating that these items are being deleted from all of my credit of reports.
Company Response: Closed with explanation
2019-07-30
Oxford, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Portfolio Recovery has failed more than 3 times to provide me with the original instrument of indeptedness is its original form. i have contacted them repeatedly but all i received was a generic answer using their e oscar and not the proper documentation.
Company Response: Closed with explanation
2019-07-30
Murray, UT
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: XXXX continues to report fraudulent debts in my name. A XXXX and XXXX XXXX accounts were fraudulently opened in my name without my consent and used fraudulently. The police report documentation was sent to XXXX debt collectors back in XX/XX/XXXX and they continued to report the debt anyways. I am requesting the credit reporting to be deleted immediately from all major credit bureaus. And notify the debt collectors to remove any credit reporting to the credit bureaus immediately.
The XXXX police department file for this was filed back in XX/XX/XXXX. Police report - # XXXX, additionally a IDTHEFT report was filed XXXX these documents These records have continued to be reported and have continuously violated my rights and are major violations for reporting these debts anyways to the credit bureaus under the FCRA and FDCPA. As Section 623 states under the FCRA the data furnisher is fully responsible to gather all relevant information before reporting any debt of a consumer. This was never done. I have contacted the police department and XXXX XXXX XXXX stated no creditor or debt collector has requested the police reports from their police department.
Company Response: Closed with explanation
2019-07-30
Oxford, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Portfolio Recovery Associates, XXXX is reporting another dept illegally. they did not showed me the original instrument of indeptedness in its original form. i have asked them more than 3 times and they kept sending me the same generic answer.
Company Response: Closed with explanation
2019-07-30
La Fayette, IN
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-30
Clarkesville, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation