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 38
2019-07-08
Glendale, CO
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: I purchased a dress from the company, " XXXX XXXX '' in XX/XX/XXXX for {$85.00}. I had a previous balance of {$0.00}. I returned the dress within a week because it made me look XXXX.
I heard nothing at all from this vendor and didn't expect to as I had a {$0.00} balance after the above mentioned return. I never heard anything from them until I got a threatening letter dated XX/XX/XXXX from Portfolio Recovery Associates informing me that my XXXX XXXX account had been " Closed and charged off '' in XX/XX/XXXX, and they had now that debt and were pursuing it. The debt was {$340.00}!
I contacted them immediately and highly disputed this totally bogus, unjustified bill. I told them I wanted proof of this fraudulent bill in statements from XXXX XXXX I received a letter and copies of bills from XXXX XXXX, dated XX/XX/XXXX. Portfolio Recovery stated they had conducted an investigation and stated the bill was valid.
: Here is a list of copies of bills they sent me on this XXXX XXXX account : 1. XXXX XXXX bill dated XX/XX/XXXX stating my previous balance {$0.00} The only purchase shown was a dress I bought for {$85.00}. No credit shown on this bill for my returning the dress within 10 days.
2. J.Jill bill dated, XX/XX/XXXX stating a previous balance of {$220.00}. It also stated that XXXX totals for the year were : fees charged- {$160.00}, interest charged- {$17.00}.
3. XXXX XXXX bill dated XX/XX/XXXX stating a previous balance of : {$260.00}, with total fees charged for the year XXXX {$190.00} and interest total charged- {$23.00}.
4. XXXX XXXX bill dated XX/XX/XXXX stating a previous balance of {$300.00}. Total fees for the 2018 year {$230.00}, total interest charged- {$31.00}.
That was the total documentation sent to me about this bogus bill. XXXX XXXX charged off the account in XXXX XXXX.
I never received a bill from XXXX XXXX after purchasing the dress mentioned above and didn't expect to as I had returned the only thing I had purchased from them promptly after buying it. They never contacted me in any way ; bill, phone or email concerning the wrongful debt.
I contacted Portfolio Recovery by email when I got these few copies of bills from XXXX XXXX that I had requested when I got them on XXXX XXXX. The bills in no way justified the outrageous attempt to defraud me of {$340.00}. The representative tried to say I had opened the account in XXXX, to which I said that had NO bearing on this bogus bill as shown by the XXXX XXXX XXXX of XX/XX/XXXX which stated I had a {$0.00} balance before purchasing that dress I then returned. The representative asked me what I wanted them to do, to which I replied, " Cancel this bogus bill that you are pursuing against me, never contact or harass me about this unjustified bill or I will pursue legal action. I also told her that I was filing a complaint with the FTC about this whole situation.
I will be happy to get copies to you of all communication I have received by Portfolio Recovery.
Please send me the proper address to send copies of this to you.
Thank you for your consideration and help in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, CO XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief
2019-07-08
Rncho Domingz, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-08
Philadelphia, PA
Confusing or missing disclosures
Money transfer, virtual currency, or money service: Debt settlement
Complaint: I was recently sued by Portfolio Recovery Associates for a credit card debt but I informed them that I was unable to come to court due to the fact that I couldnt risk leaving my elderly mother alone because of her late-stage XXXX and other health issues and that I was willing to settle the debt before the court date of XX/XX/XXXX in exchange that they would cancel all collections activities which includes dropping the lawsuit against me. They agreed to cancel all collections activity on this very same online website a month ago, but they have not honored our agreement. The courts still made a judgment against me due to the fact that I didnt appear in court. The courts may very well arrest me because of that.
Company Response: Closed with explanation
2019-07-08
Spencer, MA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-07-08
KY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Portfolio Recovery Associates added an account on my credit report for an alleged debt I do not owe. I do not owe them any money. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. They are deceitful and abusive and are flagrantly violating the Fair Debt Collections Practices Act.
Company Response: Closed with non-monetary relief
2019-07-08
Saint Petersburg, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2019-07-08
Juniper Hills, CA
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: I first discovered this account on my credit report and immediately send a letter of dispute on or around XX/XX/2019 and received no response. I have also included a dispute with the 3 major credit reporting buerus and it remains on my credit report.
Company Response: Closed with explanation
2019-07-08
Mill Creek, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I am submitting this complaint against, Portfolio Recovery Associates, for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to XXXX XXXX information contained in my credit report as of XX/XX/XXXX : Portfolio Recovery Associates reports on XXXX : Account opened in XX/XX/XXXX. Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX ) This was an account Portfolio Recovery Associates purchased from XXXX/XXXX. The original account was written off. Below are the basic details of the original account as reported by XXXX. Original Credit card account details : Creditor : XXXX/XXXX. Account Opened : XX/XX/XXXX. Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed. This information confirms that Portfolio Recovery Associates, purchased a debt from XXXX/XXXX, which had been established as Charged off. Portfolio Recovery Associates then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XXXX. This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX/XXXX XXXX own reporting shows this account was not written off and closed until XXXX, after the date Portfolio Recovery Associates claims the debt began. This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as Portfolio Recovery Associates seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX/XXXX, to XXXX.
Company Response: Closed with explanation
2019-07-08
TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I received a letter XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX at XXXX. It was a notice of intent to file civil lawsuit. Then someone shows up at my house looking for me to serve me paperwork for a lawsuit filed in court before my 30 days. They're trying to grab more fees and attorney fees as well. The company Portfolio Recovery Associates E-File Payment on XX/XX/2019 for {$46.00}. Granted they wrote this letter on the XXXX of XXXX and it does take at least one to two days to get to my house. This is crazy no one has enough time to respond.
Company Response: Closed with explanation
2019-07-08
Nyc, NY
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: To Whom it May Concern : I am filing this complaint with regard to a debt collection agency by the name of PORTFOLIO RECOVERY ASSOCIATES, LLC.
Several years ago I had an unsecured credit card issued by XXXX XXXX ending in XXXX for the amount of {$500.00}. Due to a recurring medical situation beyond my control, I was unable to pay it back, and it went into collections.
When I originally noticed it on my credit report I saw that I was being charged {$650.00} instead of the maximum credit Limit of {$500.00} ... .And There was absolutely no way that I couldve gone over that {$500.00} dollar credit limit because once the card reached the maximum amount of {$500.00} I was not able to use it anymore!
And ... PORTFOLIO RECOVERY ASSOCIATES, LLC is CLAIMING that I owe them {$650.00} and states that the OPENING DATE was XX/XX/XXXX when in fact the original account with XXXX XXXX was opened somewhere around XXXX and I first noticed it on my credit report in XXXX of XXXX after it was taken off from another debt collector and I was so confused because I was NEVER sent any letters or documentation of notification that anything was changed until I recently started disputing the charges and then PORTFOLIO RECOVERY ASSOCIATES started sending me some letters with the XXXX XXXX logo on it and a wrong address and phone number that all goes back to the PORTFOLIO RECOVERY ASSOCIATES offices? The whole letter is definitely doctored up and forged with falsified information as well as the credit card receipts they sent me that I have NEVER received prior to my recent communication!
I first filed a dispute in XX/XX/XXXX with all 3 credit bureaus for PORTFOLIO RECOVERY ASSOCIATES, LLC and they continue to deny the charges and keep putting it back on all XXXX of my credit reports! Even after the credit bureaus assured me that the information I gave them was correct and it would be removed from my credit report!
Then ... I started to do some research and received some additional information from a representative at THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) which states : A DEBT COLLECTOR MAY NOT COLLECT ANY INTEREST NOT AUTHORIZED BY THE AGREEMENT OR BY LAW So I filed another dispute by phone with all three credit bureaus and once again received no support and PORTFOLIO RECOVERY ASSOCIATES still remains on all three credit reports and I just keep getting the same response over and over again from them!
This all started in XXXX and I am so frustrated and sick because Im just trying to rebuild my business which was thriving and becoming very successful prior to my accident and brain injury.
Since they are required by law to send me a letter informing me of any changes and give me 30 days to ask them for proof that it is actually MY ORIGINAL ACCOUNT, instead PORTFOLIO RECOVERY ASSOCIATES continues to send me the same doctored letter from XXXX XXXX from XXXX as if the account had just been closed? I NEVER received that letter or anything from XXXX XXXX and the XXXX XXXX logo did not even have the correct information, address or phone number of the original creditor, XXXX XXXX! I did try calling XXXX XXXX and they no longer had the account on file.
XXXX*PORTFOLIO RECOVERY ASSOCIATES continues to send falsified documents and information stating that I owe them {$650.00} when the documents clearly state that the limit on the card was {$500.00}?
PLEASE SEE ATTACHED : DOCUMENT A XXXX. The XXXX XXXX phone number directs you to the offices of PORTFOLIO RECOVERY ASSOCIATES 2. The alleged XXXX XXXX bill they sent along with the dispute response is a fake bill which I never received and does not even have my apartment number on it, which I always include on anything that is addressed to me.
3. One portion of the fake XXXX XXXX bill says that my PREVIOUS BALANCE was {$650.00} and with FEES AND INTEREST is {$660.00}? If thats the case, then why are they only charging me {$650.00} on my credit reports?
4. A Balance of {$650.00} with an APR of 19.80 % should be around $ XXXX.not {$13.00}?
5. THE BILL CLEARLY STATES THAT MY CREDIT LIMIT IS {$500.00} WITH AN AVAILABLE CREDIT OF {$0.00} ... NOT {$650.00}!!
DOCUMENT B 6. A second confirmation that my original credit limit was {$500.00} and NOT {$650.00} DOCUMENT C 7. THE FAKE LETTER that I have been receiving with ALL of the contacts leading directly back to PORTFOLIO RECOVERY ASSOCIATES!
8. No company would write that : XXXX XXXX is a federally registered service mark after the Copyright sign?!
In closing, I am not someone who has tried to use the system and I unfortunately had a bad accident which set me back several years. But I truly believe that after diligently trying over and over again to reach some kind of resolution or compromise with no flexibility on the part of PORTFOLIO RECOVERY ASSOCIATES, that I have been wasting my time when all I want to do is move forward and NOT be charged additional fees or continue to have this mark on all three of my credit reports! Especially when I was NEVER even given the option to appeal, negotiate or confirm that It was my account! At this point the only thing holding me back from obtaining any type of business loans are these few old debts! And these companies DO NOT WANT TO WORK WITH ME OR MAKE A FAIR SETTLEMENT!! And this is why I am seeking help and reaching out to CFPB and would sincerely appreciate some help in trying too move forward once again.
I have enclosed several documents in support of my complaint Thank You for your time and support!
Company Response: Closed with explanation
2019-07-08
Rochdale, NY
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-07
Canyon Cntry, CA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-07-07
Iowa City, IA
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief
2019-07-06
Chicago, IL
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
2019-07-06
Stantonville, TN
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Got a Call from Portfolio Recovery Services about a debt no longer owed the original creditor written it off years ago I texted them that the Statute Of Limitations for Consumer Debt in Tennessee is 6 Years and I know they ain't nothing but bottom feeding junk debt buyers that buys old debt for pennies to a dollar and asked them to cease and desist calling and cease and desist sending further letters and the money they scam out of people don't go to the original debt owed but instead into their own pockets and that they pose as fake debt collectors and have very shady business practices told them also any further phone calls will be reported to the FTC for harassment also told them they're violating the Fair Debt Collection Practices Act by calling multiple times a day because that's what they do is harass people calling them all day til people loses their sanity and I've read consumer reviews about their shady practices how they call harass people all day because they along with other bottom feeders count on the consumers ignorance of their rights
Company Response: Closed with non-monetary relief
2019-07-06
Ocklawaha, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I dispute these charges by this company. I am XXXX, i have disputed charges, XXXX XXXX charges unauthorized. Off shore debt buyer reported false information. I have been XXXX since 2013.
When contacting agency computer messaging and customer care they were unable to provide appropriate information for filing discrepancy with their accounts charged off. No one would discuss accounts unauthorized charges that appears on credit report.
I have received repeated excessive calls from this international who have excessive harrassing calls and inflation of chagers that never existed. 7 days per week. Thirty different numbers calls cell phone 7 days per week any day and and time. Falsely filed a $ XXXXdebt to XXXX XXXX and {$4400.00}
Company Response: Closed with non-monetary relief
2019-07-05
Magnolia, TX
False statements or representation
Debt collection: Credit card debt
Told you not to respond to a lawsuit they filed against you
Company Response: Closed with explanation
2019-07-05
Brookwood, OH
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-07-05
New Port Richey, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-05
Moapa, NV
Threatened to contact someone or share information improperly
Debt collection: I do not know
Contacted your employer
Complaint: I have asked them numerous times to stop calling my place of employment. They are calling numerous times a day and telling co-workers that they need to speak to me about a very personal debt issue. They have been asked by my supervisor NOT to call here but they continue to call.They are also calling me at XXXX and up to XXXX and they call in upwards of 10-15 times a day. I may lose my job if it continues.
Company Response: Closed with non-monetary relief
2019-07-05
Orlando, FL
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 explanation
2019-07-05
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 XXXX : 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
Company Response: Closed with non-monetary relief
2019-07-05
Austin, TX
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: I have been in the process of completing my financial responsibilities by requesting validation of debts in my name. I sent a formal request for validation and to receive communication in writing only to PORTFOLIO RECOVERY ASSOCIATES in a certified letter on XX/XX/19. According to the tracking number, the letter was delivered in XX/XX/19. I then received a phone call from their automatic dialer on XX/XX/19. I sent another certified letter to PRA 's CHIEF COMPLIANCE OFFICER- XXXX XXXX restating my request for communication in writing only and declaring my rights consumer on XX/XX/19, and according to that tracking number, letter was delivered on XX/XX/19. I then received another phone call from their dialer in ( XXXX ) XX/XX/19. I continue to receive harassing calls from their ( XXXX ) ( XXXX ) dialer to this day, the most recent on XX/XX/19.
Company Response: Closed with explanation
2019-07-04
Great Neck, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: THESE ARE THE ACCOUNTS THAT IS ON MY CREDIT REPORT 1.PORTFOLIO RECOV ASSOC AMOUNT XXXX XXXX DATE OPENED XXXX 2.XXXX XXXX XXXX AMOUNT XXXX XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX AMOUNT : {$2000.00} DATE OPENED XXXX 4.XXXX XXXX XXXX XXXX XXXX AMOUNT : $ XXXX DATE OPENED XXXX INQUIRES XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief
2019-07-04
New Orleans, LA
Written notification about debt
Debt collection: Other debt
Notification didn't disclose it was an attempt to collect a debt
Complaint: This company promised to delete tradelines from credit reports with settlements and did not do it. Instead, they reported them as paid for less than full. They explicitly told me they would delete.
Company Response: Closed with explanation