PORTFOLIO RECOVERY ASSOCIATES INC

2019-07-20

WY

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I checked my credit report on XX/XX/XXXX to see an account for PORTFOLIO RECOV ASSOC for XXXX XXXX XXXX XXXX XXXX. that is invalid. I have never received any correspondence about any of the account listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act. I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. XXXX - XX/XX/XXXX - {$460.00}.
Company Response: Closed with explanation

Timely Response

2019-07-20

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-20

Cresaptown, MD

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2019-07-20

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-20

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: For several years now I have been trying to have 2 accounts removed from my credit reports, XXXX, XXXX, XXXX from this 3rd party debt collector. After several letters, request to show proof of original application, I am still getting harassed with letters and my Credit report has been affected where I can no longer get any kind of credit. 1.Company is : Portfolio Recovery Associates , LLC Address : Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX Merchant : XXXX- Original Creditor : XXXX XXXX XXXX account XXXX XXXX in the amount of {$1200.00} 2. Company is : Portfolio Recovery Associates, LLC Address : Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX Original Creditor : XXXX - Seller : XXXX XXXX XXXX Account # XXXX Please note when requesting verification on debt with my signature, they send me a photocopy of a bill with an old address of an apartment complex that I lived in over 5 years ago. Unfortunately, our mail box was a shared box and I had a number of accounts trying to be opened under my name. I am XXXX and on a limited income. I have no more time for this company and would like to have this problem removed immediately. I am tired of getting the run around from this company and all the other names they use to try and get money from me. It has cost me money to mail letters certified to them, pay a credit repair company with money I DO NOT have only to receive letters from one of their other subsidiary companies. I have sent another letter to them today via email with specific request to show proof that I opened these accounts in question. I would like this taken care of immediately so that I may Retire in peace and get my credit report cleared. Thank you for your attention to this matter Looking forward to hearing back from you in a timely matter,
Company Response: Closed with explanation

Timely Response

2019-07-20

Addicks Barker, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-07-20

Addicks Barker, TX

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-07-19

TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: To Whom It May Concern : XX/XX/XXXX Reference Account # - XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding a collection account being reported by Portfolio Recovery Associates, LLC. The collection account in question is regarding a XXXX XXXX account. I have requested each of the three credit bureaus as well as Portfolio Recovery Associates, LLC to validate this debt by providing a contract that bears my signature or any documentation they can provide to prove this was in fact my account. Letters were mailed directly to Portfolio Recovery Associates, LLC on XX/XX/XXXX also by certified mail. Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. Portfolio Recovery Associates, LLC only responds by sending copies of a ( one ) credit card statement, dated back in XXXX. In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of their letter dated approximately 3 years ago which is also attached for your review ) which states, This letter is to inform you that the above-referenced account was sold to Portfolio Recovery Associates, LLC on XX/XX/XXXX. If you have any questions about this account, please contact : Portfolio Recovery Associates, LLC, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX. I have attached a copy of the two certified letters that were mailed to Portfolio Recovery Associates, the first letter being sent on XX/XX/XXXX and the second letter being sent on XX/XX/XXXX mailed directly to Portfolio Recovery regarding the XXXX XXXX as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened this account and it has had a huge adverse effect on my credit score. I have exhausted all efforts in contacting the credit reporting agencies, Portfolio Recovery Associates, LLC as well as the original creditor, XXXX XXXX. I submitted a previous complaint to CFPB on XX/XX/XXXX, complaint # XXXX. Portfolio Recovery responded that they have no record of a request or dispute being received in relation to its initial notification letters. I have attached the letters along with a certified receipt showing that they have in fact received letters from me regarding this issue. A credit card statement does not constitute validating a debt. I have requested on numerous occasions that a contract that bears my signature be sent to me for my review which still has not been done to date, almost 11 months later which is ridiculous!!! Portfolio Recovery Associates states that XXXX XXXX has verified this debt, please forward the documentation provided by XXXX XXXX so I can review. CFPB, please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. CFPB should be verifying that these collection companies are providing the appropriate documentation and reporting to the three credit bureaus appropriately ; otherwise, what is the purpose of filing a complaint? Consumers file these complaints as a last resort. If Portfolio Recovery and/or XXXX XXXX can not provide a contract bearing my signature, I will have no other option but to seek the advice of an attorney as I have exhausted all other efforts. Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-19

Dallas, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: On XX/XX/19 Portfolio Recovery from XXXX called my home phone per my caller id, but they did not leave a message. I am not sure of the exact time as my caller ID has erased the time. I called them back later in the evening, and asked who they were trying to reach. They asked me for my name, I gave them my first name only explaining I did not feel comfortable giving my full name AND THAT they called my number. I asked them to please tell me who they were trying to reach so I could validate if they were reaching the correct phone? The agent refused and said that I have to give her my FULL NAME to see if I have a debt with them. I explained that I did not have a debt with them and I was calling to let them know that they most likely have the wrong number. I asked to speak with a supervisor at that point. I told her the same thing and she said " By law they can call me ''. I told them to stop calling my number and she continued to speak over me saying " By law they can call me. I told them " BY LAW " if they can not tell me who they are trying to reach and I tell them to STOP CALLING my number, than they have to stop calling me. I terminated the call. I did not give them my last name only my first name. I did explain to them that I receive calls asking for people I do not know and do not reside with me.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-19

Downers Grove, IL

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-07-19

MA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/2019 at XXXX, I was contacted by Portfolio Recovery Associates regarding a debt. I confirmed with them that they were speaking to XXXX XXXX, but did not live at the address provided. I told them not to contact me again about this debt On XX/XX/2019 at at XXXX, I was again contact by Portfolio Recovery Associates regarding a debt. I confirmed that they were speaking to XXXX XXXX. When I asked what company the debt was with, they refused to provide any information. I let them know I was going to file a complaint with the CFPB if they did not stop contacting me because I do not live at the address that they stated on the phone. If this debt is related to XXXX XXXX, I filed a previous compliant with CFBP against XXXX and their debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX in compliant XXXX. I am also trying to find out how they are getting my personal phone number.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-18

Glendale, CO

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: Portfolio Recovery has continued to illegally report an account on my credit report that is not mine. Ive sent them 3 certified letters that I know they received and have yet to receive a response concerning what I sent. The last one sent was XX/XX/2019. This account is being reported incorrectly as it is not my account they have not sent me any type of proof that they have reflecting this is my account.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-18

Dulac, LA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-07-18

Bancroft Hall, MD

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-07-18

GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This agency called me 21 times in a row, never left a message. I had to reverse lookup the number to find out its Portfolio Recovery. I have no idea what they are calling about. I tried to call back and received a customer not available message from the phone carrier service. To call someone 21 times in a row is harassment and they need to be dealt with.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-18

Arco, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: PORTFOLIO RECOVERY # XXXX has re-inserted an debt that 1. Has been previously deleted 2. I Do not Owe 3. NOTIFIED me after the debt was placed on my credit. 4. failed to verify this debt. All of these actions violate FCRA FDCP statutes
Company Response: Closed with explanation

Timely Response

2019-07-18

Memorial Square, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-17

MD

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-07-17

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-17

Fayetteville, GA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-07-17

Calhoun, GA

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

2019-07-17

Scottsdale, AZ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: I was approved for a line of credit with XXXX ( XXXX XXXX ) for {$500.00} in XX/XX/XXXX. In XX/XX/XXXX & XX/XX/XXXX I purchased three XXXX stating they were unlocked and could be used on any network provider and they were refurbished in new condition with a 90 day return policy because I was an XXXX XXXX member. Upon arrival, I attempted to connect the phones on the XXXX network, purchasing a sim card. I was told they were not set up to function on their network. I then purchased a XXXX network sim card and attempted to connect. No luck. I then took the phones to XXXX and asked for assistance. They said that the phones were connected to XXXX but would need to be set up on pre-paid service only. I then took the phones to XXXX in person and discovered the pre-paid plans were more costly than monthly family plans. I set up one phone to try out the network and gave the other to my child to use as a wifi phone for games. I made payments on my credit card as agreed. I then was ready to get the other two phones on service plans when the batteries would not hold a charge. I purchased a replacement battery and tried with all three phones to no avail. All three phones then no longer turned on at all and one of the batteries imploded in the phone and cracked its screen. I reached out to the seller for return policy and to XXXX for return direction. The reply was that I was 5 days outside of the warranty period and they would not accept the return. I have emails to prove this occurred. Defective merchandise was given to me and no return allowed. XXXX stated that they could not assist because the seller was its own business within the site and they do not represent the seller. I had never purchased with credit through XXXX before. They did not provide recourse to the credit and poor service. I disputed the credit charges stating that I was provided faulty phones and false advertising and should not be responsible for them. None of the phones worked on the networks stated and none of them worked within 3 months. I did not make any additional payment on the credit card after XX/XX/XXXX. The date of breach ( charge off ) would be XX/XX/XXXX, 90 days from the last payment in XXXX. In late XXXX, I began receiving harassing phone calls and letters from Portfolio Recovery Associates. They stated they owned a debt from XXXX XXXX in the amount of {$750.00} that was effective XX/XX/XXXX. I provided a dispute response stating that the amount and date of effectiveness is incorrect. They sent me a letter showing the last payment received was XX/XX/XXXX and that the total amount above the due amount was due to late fees. I then created a dispute with XXXX, XXXX, and XXXX against the Portfolio Recovery Associates claim as of XX/XX/XXXX. The claim still shows status : " in dispute. '' Every time they call I tell them that they have the wrong amount due and date of breach. They do not respond, they simply hang up. Today I received a letter from XXXX XXXX XXXX stating that Portfolio Recover Associates is suing me in civil court and provides a case number. The letter states if I do not respond, I may get a judgement against me, wage and bank account garnishment, or property lien. I researched the claim number on the letter and it is a speeding ticket case in local court that is not tied to me. The claim that I am being sued is not real.
Company Response: Closed with explanation

Timely Response

2019-07-16

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-16

South Florida, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I received a collection letter from Portofolio Recovery Associates, LLC stating that owe XXXX XXXX XXXX {$1000.00}. This account was closed and paid full. I recommend that you STOP all the attempts to collect that debt. I dont have any business or contract with Portofolio Recovery Associates.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-16

Kissimmee, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response