PORTFOLIO RECOVERY ASSOCIATES INC

2019-07-04

Ocklawaha, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Portfolio recovery constantly calls my cellphone and when I've told them I don't know about the debt, then ask when this debt was and they reply from 13 years ago. Then they call my home number don't reveal who they are just leave messages to call back at a XXXX number. They constantly call me on my home phone and cellphone from different numbers, some XXXX numbers others from different state area codes
Company Response: Closed with non-monetary relief

Timely Response

2019-07-03

CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: This debt for {$14000.00} is for XXXX XXXX XXXX. No date is given as to the debt. The collection agency is XXXX XXXX XXXX, XXXX -- XXXX XXXX XXXX -- XXXX, VA XXXX. The Debt is very old as it states on the collection request : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. '' I will not pay this debt and I want all communication to cease, either by phone or mail. If it does not cease I will consider legal methods. Thank you.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-03

Baneberry, TN

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-07-03

Santa Ysabel, CA

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 BEEN UNSUCCESSFUL IN GETTING PORTFOLIO RECOVERY ASSOCIATES, LLC WHOM I HAVE PAID MY ACCOUNT BALANCES AND HAVE PROOF OF THE PAYMENT ARRANGEMENTS WE MADE AND WERE PAID OUT DIRECTLY FROM MY ESCROW ACCOUNT TO SHOW PROOF THEY HAVE BEEN PAID IN FULL AND THEY CONTINUE TO FRAUDULENTLY DENY MY REQUEST TO UPDATE MY CREDIT REPORT TO SHOW MY ACCOUNTS HAVE BEEN PAID IN FULL. I HAVE TALKED TO THEM SEVERAL TIMES OVER THE PHONE AND THROUGH XXXX XXXX I HAVE BEEN FIGHTING WITH THIS FOR THE PAST 3 MONTHS.
Company Response: Closed with explanation

Timely Response

2019-07-03

Colts Neck, NJ

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-07-03

Mem, TN

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-07-03

TX

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Complaint: Im a poverty stricken XXXX XXXX XXXX XXXX senior citizen ( XXXX since 2000 ) subsisting on Social Security and occasional small monetary gifts from family members. Last year while recovering from life threatening XXXX for XXXX XXXX i was awakened by crazy banging at night on my apartment door ; man flashing a badge saying he was police and i must let him in. I was petrified. I said he couldnt come in but if he wanted id open the door and let my ( due to the banging ) snarling crazy man eating boxer out. He fled down the hall leaving papers about some judgment against me in my mailbox ( i got weeks later : i was completely bedridden w family two thousand miles away and the mail boxes a five min walk away ). Since then Portfolio Recovery Associates have petitioned the court and copied me repeatedly threatening to garnish my bank account for some thousand dollars plus for an undocumented debt i dispute ( at least ten years old, i do not know, its unspecified ). Every day im terrified ill starve to XXXX because theyll garnish my tiny bank account. I plan to retaliate by calling the local consumer reporter and do a news story if they do. Im a former consumer reporter myself so i know how to facilitate this. Help stop my fear and their harrassment over an unknown and ancient alledgedly small debt.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-02

Berthoud, CO

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 a fraudulent cc on my credit report and they said it was resolved which is far from the case. I never opened a XXXX XXXX cc in XXXX of 2018 and its showing delinquent on all 3 credit bureaus. I want the cc closed and something done to investigate who opened this cc and I want them prosecuted. Please help me with looking into this. Thank you. XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-02

N Chesterfld, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-07-02

GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I reviewed my credit report and noticed an account from a creditor I have never done business nor authorized to report on my consumer report.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-02

Detroit, MI

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-07-02

Alexandria, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-07-01

Boca Raton, FL

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted your employer
Company Response: Closed with non-monetary relief

Timely Response

2019-07-01

Cross Creek, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-07-01

Blanchard, 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

2019-07-01

Clayton, MO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Portfolio Recovery collection agency was filed on my report on XX/XX/2017 The amount that this company is saying that I owe is a total of {$360.00}. I do not have a contract with their company, and I requested copies of the contract where it states that I should pay this amount. Portfolio Recovery was not able to give any validation just a copy of a bill that I was not responsible for. I am asking that they remove any collection amount from my credit report.
Company Response: Closed with explanation

Timely Response

2019-07-01

Coppell, 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

2019-07-01

PA

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Company Response: Closed with non-monetary relief

Timely Response

2019-07-01

Bremen, GA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Portfolio Recovery Services requested documentation of my dispute. I have requested and received documents from XXXX XXXX which are opposite of the documents that Portfolio Recovery Services have provided. The debt amount owed is not valid and not factual. XXXX has provided documents that has put in to question the accuracy and integrity of the account Portfolio Recovery continues to report on my credit report accurately. On XXXX that shows the account had a XXXX balance, Portfolio Recovery sent a document XXXX that shows a balance of XXXX. Which one is correct? XXXX also provided me with a letter that says that the account balance was {$540.00} on XXXX with a charge off date of XXXX and the last payment {$0.00} was made on XXXX but Portfolio continues to report a last payment of {$45.00}. How can this be? It's not 100 % factual as required by FCRA XXXX mailed all its to XXXX XXXX XXXX XXXX Ohio XXXX but surprisingly Portfolio Recovery used an address of XXXX XXXX XXXX XXXX XXXX GA XXXX on XX/XX/XXXX? Where did Portfolio Recovery get this address? This was not my address. I believe this document was altered becuase it does not shoe the same addresses but were sent in the same month- If Portfolio Recovery used electronic files purchased from XXXX why did they send this legal form to a different address? Neither XXXX or Portfolio Recovery has provided me with 100 percent actual and factual information as required by the FCRA and the discrepencies show that this account is not valid and should be removed from my credit file and sent back to XXXX XXXX. If these two companies do not have the same documentation then this information is not verifiable and should be removed
Company Response: Closed with non-monetary relief

Timely Response

2019-06-30

Naperville, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX To Whom It May Concern : 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 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 are able to 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 a 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

Timely Response

2019-06-30

TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. Thank you for your consideration in this matter.
Company Response: Closed with explanation

Timely Response

2019-06-30

Wesley Chapel, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I filed Bankruptcy in 2017 which i had one XXXX XXXX act that was included in bankruptcy. now they are sending me notification stating i had a second account with XXXX XXXX that was not included in bankruptcy- However on that acct my first name is spelled wrong and i told them every thing i had with XXXX XXXX was included in my bankruptcy- I tried to have the debt validated, but they just send me back communication from XXXX XXXX with my name spelled wrong.
Company Response: Closed with explanation

Timely Response

2019-06-30

Wesley Chapel, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: This debt was included in my bankruptcy case- They keep saying no, but the courts allow you to add additonal debt when you file bankruptcy- Portfolio Recovery removed this collection from XXXX XXXX off my credit then placed it back on there one year later. They can not prove it was not included in bankruptcy, however they will not remove off my credit.
Company Response: Closed with explanation

Timely Response

2019-06-30

Elmira, NY

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2019-06-29

Written notification about debt

Debt collection: Other debt

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

Timely Response