PORTFOLIO RECOVERY ASSOCIATES INC

2019-07-25

Ellis Island, NJ

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-07-25

Oxford, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: This account does not belong to me! Please remove it and review all attached documentation!
Company Response: Closed with non-monetary relief

Timely Response

2019-07-25

Oxford, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: This account does not belong to me! Please remove it and review all attached documentation!
Company Response: Closed with non-monetary relief

Timely Response

2019-07-25

Jackson, TN

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

Timely Response

2019-07-24

GA

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: I disputed an old/obsolete tradeline with XXXX on XX/XX/XXXX. Portfolio Recovery Associates verified the account with XXXX as correct and mailed me a charged off statement from the original creditor ( XXXX ) dated XX/XX/XXXX on or around XX/XX/XXXX ( attached ). My supporting documentation shows that the date of last payment was XX/XX/XXXX, date of first delinquency was XX/XX/XXXX. Fall off date/Removal from my credit report should be XX/XX/XXXX, as per one sample of my XXXX report, dated XX/XX/XXXX ( attached ). I also have documentation stating XXXX as the fall off date from other credit reports, which I can provide upon request. Attached is today 's screenshot I took on XX/XX/XXXX showing Portfolio Recovery 's account on my credit report showing the discrepancy ( re-aging ). XXXX will not remove the tradeline and Portfolio Recovery Associates has a date listed which doesn't match the records of the original creditor ( attached ) and refuses to remove this old tradeline from my credit report.
Company Response: Closed with explanation

Timely Response

2019-07-24

Malibu, CA

Written notification about debt

Debt collection: I do not know

Notification didn't disclose it was an attempt to collect a debt
Complaint: Why did portfolio recovery solutions run my XXXX Credit Report without my permission? I now have an inquiry from them. This makes no sense at all.
Company Response: Closed with explanation

Timely Response

2019-07-24

Orlando, FL

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

2019-07-24

Ft Lauderdale, FL

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-07-24

Georgetown, TX

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2019-07-23

Warren, RI

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I have previously filed a complaint regarding Portfolio Recovery. I have continued to receive calls from them irregardless of their promise to cease collection efforts. This debt is long past its statute of limitations.
Company Response: Closed with explanation

Timely Response

2019-07-23

Winston Salem, NC

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Portfolio Recovery Associates continues to call me from multiple different numbers no less than 7-10x per day. I have disputed the debt with all 3 credit bureaus and they continue to harass me.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-23

Holladay, UT

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-07-23

Effingham, KS

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Here is email I wrote to XXXX XXXX defining my complaint. XXXX XXXX, I am reaching out regarding your companies numerous non-compliant attempts and calls made to my cellular telephone via a automated/predictive dialer. I have requested multiple times that my cell phone XXXX not be called through any non-TCPA COMPLIANT, automated and/or predictive dialer system. This is not a cease and desist request. Your reps may call me all they want as long as it is a manual type dialing attempt and meets any regulating bodies guidelines. During my communications with your company Ive been harassed ( defined by consumer ), been mislead ( UDAAP ), treated poorly by upper management and shown why 3rd party collection agencies that do the right thing are at a disadvantage due to companies which you head the compliance team. What really amazes me is how your company continues to treat me poorly even knowing my experience in 3rd party collections. Im willing to speak about my situation but not how your company chooses to brand their image. I am looking into legal avenues to make sure youre fined and multiple CFPB COMPLAINTS and all methods to help your company understand the value of being compliant. I hope your company has saved all calls for you to review.
Company Response: Closed with explanation

Timely Response

2019-07-23

San Jacinto, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Since 2010, I have been disputing fraudulent credit card charges with XXXX XXXX, XXXX, and Portfolio Recovery in regard to a credit card that was opened in my name. I originally filed a complaint with XXXX XXXX and no action were taken, which resulted in the account falling into the default. XXXX XXXX then sold the account off to XXXX XXXX / XXXX XXXX. I contacted XXXX XXXX and still never removed off my credit. I threatened then threaten XXXX XXXX XXXX XXXX with a lawsuit and they in turn sold the account off to Portfolio Recovery / XXXX XXXX. I have asked Portfolio for signatures, dates and yet nothing has been provided to me showing that this is my debt. The only thing they'd given me is my address. I have disputed this account of the past 8 years by following a Police Report and many threatening letters and yet they refuse to remove it off my credit.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-23

Mid City West, PA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Closed with non-monetary relief

Timely Response

2019-07-22

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX RE : Account # XXXX ; XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-22

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-07-22

Wilmington, DE

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: The company keeps contacting me at a work number. This number is at a shared desk and isn't always used to contact me. I have asked them to remove this number in case someone else sits at this desk.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-22

San Gabriel, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: I was sued by XXXX and XXXX Attorney firm and they got a judgement to levy my bank accounts. I have never received anything from this company before. The original creditor is XXXX XXXX credit card. Then Portfolio Recovery bought the debt and hired XXXX and XXXX to collect the debt. I received the judgement in the mail on XX/XX/XXXX. It states it was mailed on XX/XX/XXXX. The amount of the debt is {$2000.00}. The Statute of Limitations applies to this case. This account is Time Barred. The account was opened in XX/XX/XXXX. The last payment was received by the company on XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-22

TX

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: I have tried to dispute information that was reported on my XXXX credit reports since XX/XX/XXXX. I was trying to dispute through XXXX directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my XXXX report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to XXXX as advised, Portfolio Recovery Associates is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported XXXX XXXX and Portfolio Recovery Associates to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail. I got a free copy of my XXXX credit report in XX/XX/XXXX and disputed errors by US mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX credit bureau as far as I understand but disputes through XXXX XXXX XXXX XXXX. They tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!
Company Response: Closed with explanation

Timely Response

2019-07-21

Odell, OR

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Hello, I have received 15+ calls from this company Portfolio Recovery Associates and have payment plan set up with them but they have been consistently harassing my phone and calling nonstop from different numbers. I have had it and am tempted to change my number. Please remedy this as this company is causing a big disruption in my life. Thank you.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-21

Grosse Ile, MI

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: I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then XX/XX/XXXX submitted a police report about my identity theft, dating back to XXXX of XXXX of an incident of my identity theft, which brought every account into scrutiny as to whether the entire account was invalid by being created with using my personal information or portions of the account 's balance being a cause of identity theft with unwarranted charges to the account. Since then XXXX, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX, which suggests that identity theft was possibly at work behind those accounts that were deleted as result. Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). I have reason to believe that because there is no valid response since XX/XX/XXXX these accounts I am disputing may also have some involvement of identity theft as well. Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, XXXX, and XXXX Credit Report.. Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : Portfolio Recovery Associates : XXXX Original creditor : XXXX XXXXXXXX XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on XXXX, XXXX, and/or XXXX can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus and have XXXX XXXX XXXX, Portfolia Recovery, and XXXX XXXX XXXX, XXXX. to desist from their bullying efforts according to Fair Debt Collection Practices Act ( FDCPA ). Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Company Response: Closed with non-monetary relief

Timely Response

2019-07-20

Plano, 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

2019-07-20

Reno, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I defaulted on a {$1000.00} XXXX XXXX credit card in XX/XX/XXXX ( over 12 years ago ). The debt does not show on my credit report. It was discharged. A company called portfolio recovery associates LLC somehow got my number in XXXX. They have called me from various numbers approximately 1500 times in 3 years. They claim the debt is {$4000.00}. Even tho the debt is discharged and doesn't show on any of my credit reports they continue to call and say the debt is " collectable ''. I've also received letters from them over & over concerning this. I've actually considered changing my phone number ( which I've had for 8 years ) because of the constant harrassment
Company Response: Closed with non-monetary relief

Timely Response

2019-07-20

Baton Rouge, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response