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 36
2019-07-16
NY
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: I've received numerous harassing & threatening phone calls to collect on a {$14000.00} XXXX credit card debt with a default date of XXXX/XXXXXXXX, that has passed the NY State statute of limitations, which I understand is 6 years from date of default for this type of debt. XXXX sold the debt to Portfolio Recovery Associates LLC in XXXX. I also receive letters periodically from Portfolio with offers to settle the debt, acknowledging the debt has passed the statute for collection. I've made no payments on the debt since default ; have made no agreements with anyone to pay it. Calls come from all over the country ; I can't identify their true source & they don't appear to be affiliated with Portfolio. I've received no notice that Portfolio has sold the debt to another agency. On XX/XX/XXXX, I sent a certified/return receipt letter to Portfolio asking them to cease & desist, using one of your sample letters as a guide. I blocked all incoming calls that came from robot or unidentified sources. Phone calls & letters ceased until I got a call from " XXXX XXXX '' ( a process server? ) on XX/XX/XXXX saying a sealed document ( a summons? ) was being delivered to me at my home address the next day, to follow-up with my County Court about it, & if I had any questions to call " XXXX XXXX '' at phone # provided with a case file #. I have no idea who XXXX XXXX is and was immediately suspicious when I called them. They did not identify their company when answering my call, I had to question who they were, what this was all about. I spoke to " XXXX XXXX '' who said they were collecting on the XXXX debt. He said since I hadn't signed any papers yet ( don't know what papers he was talking about ) and hadn't yet received a summons, that was good, & he offered me the opportunity to settle the debt, which I declined to do. I reiterated to him what was stated in my certified letter to Portfolio. XXXX XXXX claimed his records show I made a payment on the account in XXXX, which is patently false. I suffered a catastrophic financial crisis & defaulted on ALL of my credit card accounts at the same time in XX/XX/XXXX. I made absolutely no payments or agreements of any kind on ANY of these defaulted accounts, all of which were charged off by the creditors as bad debts with this one exception of XXXX or Portfolio. I immediately terminated the call with XXXX XXXX. No summons was served on XX/XX/XXXX as XXXX XXXX warned it would be. Prior to this I was also receiving similar calls from an unknown entity " XXXX XXXX '' in NJ, threatening me with the same court action, calling it a " complaint '', not a " debt collection '' matter. That's what prompted me to send the certified letter to Portfolio in XXXX of this year. I think this whole thing is a scam or bluff to get me to make a payment or repayment agreement & re-start the clock on the statute of limitations. This harassment is getting very serious now with me worrying about having to go to court or missing some deadline to answer in court, violating my rights to due process on this expired debt collection. I don't believe any of these unknown callers have standing to collect on the debt since they aren't Portfolio. This all seems illegal to me. HELP!
Company Response: Closed with explanation
2019-07-15
Ft Belvoir, VA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: We continue to receive letters regarding an account that's not listed on our credit reports
Company Response: Closed with non-monetary relief
2019-07-15
Gilroy, CA
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
2019-07-15
Mabank, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.
Company Response: Closed with explanation
2019-07-15
Bedford, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with explanation
2019-07-15
FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Portfolio recovery calls me multiple times a day from multiple phone numbers harassing me for a debt I never took out, but is showing in my credit report. I've tried disputing the charge a number of times and they refuse to close the account. Callers are very rude and threatening.
Company Response: Closed with non-monetary relief
2019-07-15
Bellaire, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-07-15
Aurora, UT
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: I called Portfolio Recovery to pay delinquent balances. They referred me to XXXX XXXX XXXX XXXX and stated they were in charge of the accounts. when I called XXXX XXXX XXXX they stated that since I was XXXX XXXX they could not accept payment and were closing my account and sending it back to Portfolio Recovery. I called PR again and was transferred multiple times until I reached the Vice President of Litigation who claimed that they did not have the authority to speak to myself or XXXX XXXX my accredited Financial Counselor about my two accounts and that they were also refusing payment. I Told them that if both companies were refusing payment than I had no choice but to consider my account paid in full.
Company Response: Closed with explanation
2019-07-14
North Tunbridge, VT
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-07-14
Greenwood, CA
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: Hard to include dates. Portfolio Recovery Calls at least 3 times a week. Today, a sunday!, called before XXXX XXXX. This time I answered. No one there. Clearly a robo call to harass. Never leave a message. One year ago asked them not to call, I was not person they wanted and that I was on do not call list. I hung up, the person immediately called back and said I was rude! Have been calling ever since then. Portfolio Collections evidently know how to bypass " nomorobo '', and do not call by changing their number. However on my cell phone I can stop them by blocking each and every call. Doesn't work at home. Have been calling for at least 2 years! Ignore or tell them not to call. Doesn't stop them.
Company Response: Closed with non-monetary relief
2019-07-14
NY
Communication tactics
Debt collection: Medical debt
You told them to stop contacting you, but they keep trying
Complaint: I received a phone call from Portfolio Recovery on a XX/XX/2019 Sunday at XXXX XXXX. From my understanding they are not permitted to call on a Sunday past XXXX XXXX my local time.
Company Response: Closed with non-monetary relief
2019-07-14
Corpus Christi, TX
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Porfolio recovery has bought my debt And I getting consistent calls daily.
Company Response: Closed with non-monetary relief
2019-07-13
Northside, NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: XXXX XXXX XXXX, is appearing on my XXXX Credit Report and the agency has refused to remove this item
Company Response: Closed with non-monetary relief
2019-07-13
NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I am disputing a debt reported on my creditt file by Portfolio Recovery Associates, a company that purports to be a debt collector. They report that they purchased a debt that they say belongs to me with the account number as : XXXX. I have tried to have the debt BOTH VERIFIED and VALIDATED, to no avail. I have sent multiple letters via U.S. Mail, asking for validation documents, as I do not believe I owe this debt. I have either received no response or a letter from Portfolio Recovery stating that they purchased a debt that they say belongs to me. On XX/XX/XXXX I sent a certified letter, with overnight shipping, requiring signature at delivery, requesting the following items. As of today, that letter still has not been delivered. On XX/XX/XXXX I again, sent another copy of the same letter overnight mail, NOT requiring signature. That letter also hasn't been delivered. When I inquired atthe United States Postal Service number ( XXXX ) XXXX, I was advised that the company Portfolio Recovery picks up it's own mail from the post office, rather than having it delivered to it's office address. Both of the letters I sent are STILL in the post office and have not been picked up. I feel I have no choice but to seek assistance here to have this account removed from my credit report immediately, pending verifification of the debt. I received 2 letters from Portfolio Recovery in the mail yesterday, both containing letters asking for a sum that does not match any current or former ormer accounts held by me. They included what appears to be a photocopy of a credit card bill from XX/XX/XXXX, which, again, does not match the amount they are seeking. I have no knowledge of this account and am disputing it's validity. They have reported the supposed debt on my credit report as late beggining XX/XX/XXXX. I have never entered into a contract of any kind with this company and therefore, I could not have been late. They also continue to report the debt as late on a monthly basis. I have reported them here once before. Their response was vague at best, and they stopped reaching out to me which is what they agreed to in their response to my complaint on your website. However, that only lasted for a few months, and they have now began toreach out to me again. They have IGNORED my requests for verification documents. A letter from them and what they report is an old credit card bill from XX/XX/XXXX are NOT sufficient for validation. The letters that I have sent to them multiple times this year are requesing they promptly produce and send to me the following : 1.The name and address of the original creditor, the account number and the amount allegedly owed.
2.The original contract of the debt, with my signature, from the original creditor..
3.ALL statements and purchases on this debt, for the life of the original credit card account 4.COMPLETE payment history made on the original debt 5. Documentation of interest or fees added to the original debt since the last statement and the legal authorization for that interest.
6. Proof, including chain of evidence, that your agency is legally entitled to collect on this debt 7. Evidence that I have ever entered into a legal contract/debt with your agency. I see that on my credit report that you have listed me as missing payments beginning in XX/XX/XXXX. However, I have never entered into a contract with your agency.
8. The tax form 1099 showing a loss and write off from the original creditor 9. Proof that this debt is within the statute of limitations and how that was determined.
10. Proof of your agencys licensure to collect debts within the state of New York. If so, please provide me with the date of the license, the name on the license, license number, the name address and phone number of the agency issuing the license. If you are contacting me from outside New York State, please provide me with the aforementioned licensing information for your state as well.
I ask that they remove this item from my credit report and cease all collection activitity until such time as they provide me with the aforementioned verification documents. If they connot produce said documents, I want the case closed and for them to be banned from any collection activities againt me in the future, including sellling this supposed " debt '' to another agency for collection.
Company Response: Closed with explanation
2019-07-13
S Salt Lake, 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
2019-07-13
Oak Lawn, IL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-13
TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to arrest you or take you to jail if you do not pay
Complaint: Portfolio Recovery Associates LLC just had some one show up to my ex-neighbors house harrassing them and leaving notes on their door regarding sueing me I can not take the repeated phone calls and letters after I asked them not to contact and harass my family and friends but to no avail today was the last straw and I have proof someone harrrased my neighbor.
Company Response: Closed with explanation
2019-07-12
Detroit, MI
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
2019-07-12
Marietta, GA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-12
Plattekill, NY
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-07-12
NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: On XX/XX/2019 I sent dispute letters to the credit bureaus, requesting they remove this account from my credit profile.
Company Response: Closed with explanation
2019-07-12
Houston, TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation
2019-07-12
Grosse Ile, MI
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: This is a debt collection company and I understand that I owe the debt but I refuse to be harassed and contacted everyday including Saturday 's and Sundays. I receive two to three calls a day from different phone numbers but from the same company, Portfolio Recovery. I'm receiving XXXX for XXXX and XXXX and this company have me in tears some days because I know it's them and I've even received calls before XXXX from local numbers pretending to be someone else. I have even read reviews from other consumers and they have all said the same thing, they are being harassed as well and they are a nuisance. Blocking them doesn't work because they just call from another number. Between the months of XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery has called me from 10 different numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX.
Company Response: Closed with non-monetary relief
2019-07-12
Naperville, IL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX Balance : {$2000.00} Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other states/federal agencies.
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.
2. An agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Thank you for your time, XXXX XXXX
Company Response: Closed with explanation
2019-07-12
Naperville, IL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX.
Balance : {$4900.00} Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other states/federal agencies.
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.
2. An agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Thank you for your time, XXXX XXXX
Company Response: Closed with explanation