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 37
2019-07-11
Oxford, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: Over the past several years my information has been compromised from a data breach from XXXX, XXXX, and most recently XXXX XXXX XXXX. I have placed fraud alerts on my credit file but yet I am still being victimized and now harassed by collections agencies concerning accounts that I have no clue about. When ask for Validation all they are able to send me are bills with my name on them or they will send me letters stating they have already addressed this matter with me and will continue to call, or write letters to me until this amount is paid. I have files police reports concerning this matter but yet the harassment continues.If the CFPB can not assist me in getting this matter resolved it leaves me no choice but to file legal actions against all parties involved in harassing me. I had to get a new back account because that too had been compromised. This has been going on for the past 7 years and these companies continual threats and negative marks on my credit report needs to stop and be stopped now!
Company Response: Closed with explanation
2019-07-11
Charles A Hayes, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-07-11
Sandy Hook, CT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: A XXXX XXXX credit card was opened in my name 8 years ago. I have called portfolio Recovery collections who is also on my report as XXXX XXXX XXXX. I have sent affidavit letters, phone calls and have made complaints to XXXX and still after a year I have no resolve.
Company Response: Closed with explanation
2019-07-11
Wilkes Barre, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: pra saying they dont have the account and are not reporting to credit reports but they are. XXXX XXXX needs to remove it asap someone is lying about reporting it
Company Response: Closed with explanation
2019-07-10
Traver, CA
Communication tactics
Debt collection: Credit card debt
Called before 8am or after 9pm
Complaint: The company is called Portfolio Recovery and they have been calling me on multiple internet numbers after I block them. I have told them countless times to stop calling and they are not. They are harassing me and Im tired of it. They are calling me at XXXX and as late as XXXX or later and all hours of the day. This is not acceptable!!!
They have called me at least 30-60 times within the last month.
Company Response: Closed with explanation
2019-07-10
Traver, CA
Communication tactics
Debt collection: Credit card debt
Called before 8am or after 9pm
Complaint: The company is called Portfolio Recovery and they have been calling me on multiple internet numbers after I block them. I have told them countless times to stop calling and they are not. They are harassing me and Im tired of it. They are calling me at XXXX and as late as XXXX or later and all hours of the day. This is not acceptable!!!
They have called me at least 30-60 times within the last month.
Company Response: Closed with non-monetary relief
2019-07-10
Los Angeles, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-07-10
Lake Quivira, KS
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
2019-07-10
Oxford, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all!
This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor XXXX XXXX and then new companies PORTFOLIO RC and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.
Company Response: Closed with explanation
2019-07-10
Forked River, NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-07-10
Oxford, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Please be advised that this is my SEVENTH WRITTEN REQUEST asking you to remove the unverified/inaccurate account listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your re-investigation, you stated in writing that you verified that these items are being reported correctly.Where are the documents that you used to verify these accounts? Where is the signed contract between myself and Portfolio Recovery Associates, showing that I have signed & agree to a repayment of debt from this creditor? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate. You must be able to provide a valid contractual agreement between that your company has a valid contractual with me for to repay Portfolio Recovery Associates & myself. You must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Re-investigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified and all information that is inaccurate. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. As a creditor you must provide all information to the Credit Bureau - including Credit Type- nothing listed on credit file. Credit Limit- nothing listed on credit file. Amount Past Due/Date of Last Payment/Monthly Payment & Payment Frequency- ALL NOT REPORTED ON CREDIT FILE!
How is it that your are reporting on my credit file negative information that is incomplete with the account details. Furthermore you are stating the account is in Collection/Charge off status as of XX/XX/XXXX ( without a payment account listed on my credit fie ). The Account was only updated as of XXXX XXXX- because of a previous dispute ( that the account is not mine NOR IS THE INFORMATION REPORTED ACCURATELY!!
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Name of Account : PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX & XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed. Thanking you in advance for your anticipated quick co-operation on this matter.
Company Response: Closed with explanation
2019-07-10
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to Portfolio Recovery Associates in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to Portfolio Recovery Associates because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX, Portfolio Recovery Associates, XXXX, XXXX, and XXXX to no avail.
Company Response: Closed with explanation
2019-07-10
Phila, PA
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-07-10
Encino, CA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-07-10
TX
False statements or representation
Debt collection: Credit card debt
Impersonated attorney, law enforcement, or government official
Complaint: Portfolio recovery associates harassing me ( XXXX XXXX on social security XXXX battling XXXX living alone ) for undisclosed debt that is time barred in tx ( very old ) banging on door late at night falsely claiming to be police suing me without notice and threatening to garnish tiny bank account causing me to XXXX of starvation.
POLICE! U MUST open door!
XXXX XXXX causes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Its A XXXX XXXX, often. HELP!
Company Response: Closed with explanation
2019-07-09
Bedford Park, IL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-07-09
Val Verde, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was already discharged in bankruptcy and is no longer owed
Complaint: Hello Today I received a call from ( XXXX ) XXXX. They were very sly about getting information out of me but would not reveal who they were or working for. I know under the Fair Debt Collections Act they must provide me with that. I did tell them not to bother me again. I googled the number but its not registered yet with debt complaints. So I typed in debt collectors in XXXX XXXX TX and I saw Portfolio Recovery Solutions on there and about 15 years ago I had a credit card that I couldnt pay and it was turned over to them to collect. So for 10 years they harassed me and I never answered them. I know they went past the statue of limitations. So today out of the blue they call me. Isnt this lawsuit worthy? Especially if they continue? I had that accident when I lived in Oklahoma. Also before writing you I tried calling that number but they do not disclose there name at all.
Company Response: Closed with explanation
2019-07-09
TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX, Ca XXXX We have Paid in full many of our accts with this company. They just keep coming at us now on accts that have been paid off.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio has not notified ... the prior collection agency or agencies money has been paid for the same accts either.
That they are paid off in full no negotiated amount. To XXXX XXXX, and or XXXX XXXX paid {$320.00} ck # XXXX Paid to XXXX XXXX XXXX XXXX ... ( XXXX, and XXXX XXXX Also ) XXXX XXXX {$410.00} ck # XXXX Paid to Portfolio Recovery XXXX XXXX {$370.00} ck # XXXX ( is XXXX, XXXX XXXX also ) Paid to Portfolio Recovery XXXX {$260.00} ck # XXXX ( Which is XXXX, & XXXX ) Paid to Portfolio Recovery They have accts for both me and my huband and the amounts paid are for all the accts we have with the creditors.
Company Response: Closed with explanation
2019-07-09
Artesia, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-07-09
Collierville, TN
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2019-07-09
Bridgeport, CT
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: back in XXXX I started to check my credit report for first time and to get a better understanding with that being said I came cross a judgment from portfolio recovery associates llc they file back in XXXX or sooner while doing some digging I came cross a judgment from portfolio recovery associates llc but this time it came from XXXX , county for the amount of {$1500.00} and the judgment in XXXX county amount is {$1400.00} and when I ask portfolio recovery associates about it they wasnt it having it told me it to late that they dont need to show me anything and wasnt giving me the right information they just only send me a statement with my name and old address and for the amount of {$1500.00} and the date of this statement is XX/XX/XXXX from XXXX portfolio recovery associates Attorney now telling me I own {$2800.00} and when try work it with Attorney for portfolio recovery associates they wanted {$2400.00} I am so lost on what amount is right and I just think that portfolio recovery associates is just trying to get more big money profit than to work it out with the Consumer how can any amount given be 100 % accurate
Company Response: Closed with explanation
2019-07-09
Bedford, TX
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: Portfolio Recovery claims that I owe them a debt. I politely ask the guy on the phone to validate the debt and the guy started yelling at me. I continued to get harassing calls from Portfolio. I have blocked them but they call 5 or 6 times a day from a different numbers every time.I work nights and I have not been able to sleep during the day because of the numerous calls. I do not have any association with Portfolio Recovery or owe them any debts.
Company Response: Closed with non-monetary relief
2019-07-09
VA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: Portfolio recovery associates has harassed me for 2 years now off and on, i have tried to explain to them this is not my debt inXX/XX/2017 when they first started calling me, they call my cellphone 2 or more times a day everyday at all hours, they continuously mail me letters and for the second time they have placed a collection on my credit report. They are a horrible company and their employees are rude when i did try to explain to them they had the wrong person!
Company Response: Closed with non-monetary relief
2019-07-09
Lewisville, 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 contacted Portfolio Recovery Associates, LLC about an account # XXXX that is showing on my credit report for all three credit reporting agencies. I sent them a letter ( attached below ) asking them to provide me with information as to why this account was showing on my credit report. I let them know that if they could not provide the required information that the account needed to be removed from my credits reports per the Fair Debt Collection Practices Act and Fair Credit Reporting Act.
They responded only with a generic statement and response ( attached below ). Anyone can create a statement and attach another person 's name to it. Their response does not meet the requirements of the Fair Credit Reporting Act to validate that this account should be reported on my credit reports. I would rather have these items removed from my credit reports without having to take legal action.
Company Response: Closed with explanation
2019-07-09
CT
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I have been engaged in a series of complaints to the CFPB regarding Portfolio Recovery Associates and their continued, willing refusal to stop furnishing derogatory data to the credit bureaus without verifiable proof, despite the hearsay documentation they continue to submit as having established validity and their continued attempts and false or misleading representations.
This company, Portfolio Recovery Associates, as has been well-documented, particularly in the XXXX consent order from the CFPB, has a long history of flaunting the law and engaging in deceptive behavior. Ive seen this directly since I started disputing with them several months back and I had to turn to the CFPB as they kept sending the same two or three hearsay, unverified documents and passing them as verifiable proof to continue to furnish their derogatory data on my credit report, which by the way they have never shown evidence of having followed 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) in notifying me in the first place that they were furnishing this derogatory data, a fact I did not know until I initially decided to view my credit reports back in XXXX.
As I have said, I have had to complain to the CFPB multiple times and other than Portfolio actively ceasing collections, XXXX-XXXX from XX/XX/XXXX, where Portfolio stayed they were ceasing collection activity, XXXX-XXXX from XX/XX/XXXX, where no further action was deemed necessary And XXXX-XXXX from XX/XX/XXXX, which Portfolio was allowed to deem as a duplicate complaint and this was dismissed with no action, wrongly, as it was not a duplicate and involved different information such the removal of one of Portfolios alleged accounts from one of my credit reports and then its replacement several days later. This was an extremely wrong dismissal. First, Portfolio should not be allowed to dismiss complaints as duplicates and second, that they even did so is a violation of the Fair Debt Collection Practices Act and the UDAAP as part of the Dodd-Frank bill. To hopefully prevent a recurrence of those tactics by PRA, I am forwarding this to other government entities to ensure this complaint is not dismissed. If these consumer protect laws dont work to protect the consumer, what purpose do they serve? Especially when dealing with a company like Portfolio Recovery, and their business practices, that are detailed in the CFPBs own XXXX consent order against them, XXXX, and enough case law to fill multiple binders.
Aside from the already sent complaints, Portfolio removed one of the alleged accounts they created from my XXXX file around XX/XX/XXXX and was reinserted without notice to me approximately a little more than a week after and was listed as closed and is now listed again as open, again without notice to me. Both of these Portfolio accounts are listed as having been updated as of XX/XX/XXXX. Also, Portfolio continues to mail me letters telling me that I have to provide information proving or disproving the accounts THEY have created in my name and continue to furnish derogatory information on, and if such information is not provided THEY will not respect any dispute. This is unconscionable in the least and goes beyond the pale in violating the FDCPA and FCRA. They have refused to provide evidence of a contract, they have refused to produce a chain of assignment or prove account-level detail regarding either alleged account. They have not proven where I even gave them permission to open either of these alleged accounts using my name and personal information. This alone violates 15 USC 6801 regarding the Protection of Nonpublic Personal Information.
I really hope some sort of enforcement action is taken regarding this company. Their hearsay documentation validated nothing and they knew their case was weak regarding these alleged accounts that they dropped collection activities. The XXXX District Court case, XXXX v XXXX XXXX has stated that reporting to credit bureaus IS collection activity. Therefore the reporting should cease. I have never given them permission to access my personal information and be allowed to access my files and they have failed to prove otherwise.
Company Response: Closed with explanation