PORTFOLIO RECOVERY ASSOCIATES INC

2019-07-30

Toppenish, WA

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2019-07-29

TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I never received statements from 2016. They went to the wrong address.
Company Response: Closed with explanation

Timely Response

2019-07-29

Key Biscayne, FL

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: I have been filling on all 3 credit reports advising that I never open an account for XXXX or Recovery Profolio ACCT# XXXX for $XXXX the thing about it, is that they don't even have my last name mispelled right. So that goes to show that this account is not even mines. As far as XXXX Acct# XXXX for XXXX. According to these lenders the account where open from: XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. I have sent both companies proof (As what they requested which was XXXX XXXX XXXX XXXX receipts) that the only address I have lived in the last 42 years has been: XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX. Even with the proof I sent them, they still state that the information I have provided them is not correct But that the information they have is? HOW THE #### DO YOU FIGURE THAT, WITH PROOF THAT I SUBMITTED TO YOU, FROM THE ELECTRICITY COMPANY???
Company Response: Closed with explanation

Timely Response

2019-07-29

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-07-29

Ny City, NY

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: Portfolio Recovery keeps calling me even though I have sent written notice for them to never call me. They don't tell me who they are, just saying it's a " personal matter. '' They have not sent me substantiation, either.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-29

Yuma, AZ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-07-28

Detroit, MI

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-07-28

Detroit, MI

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-07-28

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I opened a XXXX store credit card around XX/XX/XXXX and I was making payments on time every month. Around XX/XX/XXXX or XX/XX/XXXX my purse was stolen and all my identifying documents were in my purse along with credit cards. The card got maxed out in a matter of days. I contacted them to make them aware which they were suppose to report the card stolen and all charges credited back but that never happened. Now the account is in collections and I am expected to pay.
Company Response: Closed with explanation

Timely Response

2019-07-28

Grosse Ile, MI

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: They call 4-8 times a day from a variety of phone numbers and today, a Sunday, theycalled me before XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-28

Houston, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I started dispute process in XX/XX/2019 with the bureaus, I've sent 2 disputes as of now, and also sent collection company direct notice for " Request for Validation, Not Verification '' on XX/XX/2019, and they still have failed to send all documentation outlined in my request to validate the account. All letters in the dispute process and the letter sent directly to the collection company was sent by certified mail, and I will attach the file mailed to them. Collection Company : PORTFOLIO RECOVERY ASSOCIATES, LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX
Company Response: Closed with explanation

Timely Response

2019-07-27

Columbus, OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: This account doesnt belong to me
Company Response: Closed with explanation

Timely Response

2019-07-27

Dallas, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: My name is XXXX XXXX. Portfolio Recovery Associates has placed an alleged collection on my credit reports recently. Account # XXXX. I have no idea who this company is or why they are attempting to collect a debt from me. I have never had an account or done business with them. Furthermore I was never given a notice of this debt nor my right to dispute it. I am asking for validation of debt, and proof of notice being sent to me. If this is a medical debt I'd like to see itemized breakdown of the bill and original charges. And if they provide these documents and Portfolio Recovery is not a medical facility and don't have my written proof to view or have these documents then that has to be a HIPAA violation ... along with FDCPA violation.I have previously mailed the company a cease and desist letter to their corporate offices. I have attached a copy of that letter.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-27

Macon, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-07-26

Buckingham, 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

2019-07-26

Cartersville, SC

Incorrect information on your report

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

Account information incorrect
Complaint: Derogatory remark on XXXX report. Collection Agency : Portfolio Recovery Original Creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/2014 Amount : {$1500.00} I have disputed this with XXXX, but it continues to stay on my credit report. This is not my account. I have never had an account with the above company and wish for it to be removed from my XXXX report.
Company Response: Closed with explanation

Timely Response

2019-07-25

Okc, OK

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Numerous calls, from different numbers, before and after XXXX XXXX, and on Sundays. They don't leave messages and refuse to give any information without me giving them my name. They are fishing. I don't want my name in somebody's system without knowing who and why! They're calling me. They claim to not have a do not call list. The company is Portfolio Recovery.
Company Response: Closed with explanation

Timely Response

2019-07-25

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XX/XX/2019, XX/XX/2019, XX/XX/2019 Sent notarized and certified letters asking company to show original signed contract of me accepting the service. These letter were send to all 3 bureaus to investigate the debt. Company kept sending me invoices that show no signature or agreeing to the contract. They threaten to send debt to another party, if I go unanswered, they will closed the account, and pursue legal actions and charge off the account. The invoice show the amount of {$350.00}.
Company Response: Closed with explanation

Timely Response

2019-07-25

Deer Park, NY

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-07-25

Key Biscayne, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I just got a letter from Portfolio Recovery Associates, LLC. They are stating that I owe an amount of {$810.00} from XXXX XXXX XXXX. The funny thing is I never had credit from XXXX XXXX to this date. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within 30 days they will assume the debt is mine. Wow so they are not even sure and start writing all who they can to rob some money. I hope you can help. Thank you.
Company Response: Closed with explanation

Timely Response

2019-07-25

Quartzsite, AZ

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Complaint: XX/XX/2019 at XXXX XXXX called from XXXX : Asked them to make note that the owner of the cell phone is in the west coast. The person on the other end stated it was noted. Reiterated that it was XXXX XXXX and that continued calls at this time would be a violation of TCPA and FDCPA XX/XX/2019 at XXXX AM call from XXXX : Request a note be made that the cell phone is on the west coast. Individual on phone line said that they didn't know if it was XXXX or not. I advised it does not matter or not that I had told them that this cell number was on the west coast before and that they were in violation of TCPA and FDCPA. I advised her to note it on her account. That should further calls that it would be reported for violation. XX/XX/2019 at XXXX XXXX from ( XXXX ) XXXX : No requests were made as the phone call was not picked up.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-25

TN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: all credit agencies, portfolio recovery and XXXX XXXX ... continue to make demands on fraud account not mines, account outdated / charged off and expired to collect in state of TN 4yrs on open ended/ credit card,. both companies violated FCRA, FDCPA and FCBA
Company Response: Closed with explanation

Timely Response

2019-07-25

Flushing, NY

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2019-07-25

DC

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I started receiving letters and phone calls from Portfolio Recovery Associates in XX/XX/XXXX. I wrote the company to inform it that I did not have debt and to cease contacting me in XX/XX/XXXX. I also informed the company over the phone that it was contacting the incorrect person in XX/XX/XXXX. In XX/XX/XXXX, the calls resumed and the company also calls my wife. I have never had the debt Portfolio Recovery Associates claims I have and my credit report reflects that I do not own the debt I keep receiving calls about.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-25

Dover, DE

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: On XXXX XXXX XXXX I received a letter from XXXX XXXX stating that a debt was sold to Portfilio Recovery Associates ( encl 1 ) I responded to Portfolio Recovery Associates LLC on XXXX XX/XX/2019, with 2 letters to 2 different locations with a request for validation of the debt, which included a full accounting of all charges ( encl 2 ). One letter was delivered onXX/XX/19 and the other XX/XX/19 Encl ( 3 ) and ( 4 ). Portfolio Recovery Associates did not respond until afterXX/XX/19 ( 35 days later ) with a cover letter dated XX/XX/19 ( encl 5 ), containing 3 statements with payment due dates of XX/XX/17, XX/XX/18 and XX/XX/18 ( encl 6 ) ( encl 7 ) and ( encl 8 ). The cover letter states that Date account opened provided by the seller wasXX/XX/17, yet none of the statement provided to me had charges from that date. The oldest statement was dated XX/XX/17 and shows a previous balance of XXXX ( encl 6 ). The most recent statement datedXX/XX/18 ( encl 8 ) had a commingled charge of XXXX which was said to be the value of the purchase of the debt. However, the charge appeared on a statement which was supposed to be proof of charges I had made and not a transaction between XXXX XXXX and Portfolio Recovery. So far Portfolio Recovery Associates has responded beyond the 30 days allowed by law ( 15 USC 1692g 809 ( a ), When they did send documents, they were not a full or accurate accounting of the charges they allege I owe. Portfolio Recovery Associates had this debt put on my credit report undisputed and without proper verification which is a violation of 15 USC 1692g 809 ( b ) and ignoring my written request to have this alleged debt validated and continued collecting 15 USC 1692g 809 ( b ) .They also continued to collect after receiving a cease communication notice 15 USC 1692c 805 ( c ). The second letter I wrote to them is dated XX/XX/19 encl ( 9 ) and certified receipts encl ( 10 ) explaining to them that they had not provided me with the documents that would validate the debt accurately or in a timely manner, and that I insisted that they removed if from my credit report. They sent me a response with a cover letter dated XX/XX/19 encl ( 11 ) which included the same 3 statements encl ( 6 ) ( 7 ) and ( 8 ) stating that PRA LLC has obtained and reviewed the attached documents related to this account, which establish its validity.
Company Response: Closed with explanation

Timely Response