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 42
2019-06-23
NV
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Complaint: Last year ( XXXX XXXX ) I worked to have this particular collection taken off my credit report by filing a dispute through CFPB. Within a month it had been taken off and my credit was almost in good standing. The debt was a maxed out credit card in the amount of {$1200.00}. I had no choice but to rely on this line of credit due to financial hardship. ( I had gotten laid off a couple of months prior when the oil and gas market crashed in late XXXX ). In the spring of XXXX this particular debt collection agency contacted me to collect on this debt. Without being notified they dinged my credit report again! The calls increased drastically everyday. On top of that they got in contact with my girlfriends parents somehow which live across the country in a totally different time zone! I have never lived in that state nor with her parents so what in the heck are they doing calling there?? Now my girlfriends parents know my personal financial business that is NONE of their business. I wish to have this collection taken off all my credit reports asap. This is hindering from building my credit in a way that allows me to actually buy a home in the near future.
Company Response: Closed with explanation
2019-06-23
NJ
Communication tactics
Debt collection: I do not know
Called before 8am or after 9pm
Complaint: Portfolio recovery calls morning noon night weekends holidays uses numerous unknown numbers I have received hundreds of calls from them
Company Response: Closed with explanation
2019-06-23
NY
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: On XX/XX/19 on my cell phone, I found a missed call log entry at XXXX XXXX from XXXX at an unknown location. I XXXX the 866 number and found multiple descriptions of the source as Portfolio Recovery, a collection agency and financial services firm. Many comments about the company described calls that were baseless, harassing, and unremitting. However, Portfolio Recovery was also described as a huge corporation, now called PRA Group, that buys debt cheaply from creditors and then tries to collect not as cheaply from debtors to make a profit. The internet reported that the New York State Attorney Generals office and the federal Consumer Financial Protection Bureau have both taken significant actions against the company under its several names for improper and sometimes deceptive debt collection practices. I responded to all this by checking my three credits reports, none of which showed adverse information ; I was aware of no debts not promptly paid by me. I then called the 866 number from my cell phone and spoke to a representative. I indicated to her that I was returning a missed call from her number. I gave her my phone number. She said that for her to tell me the reason for the call I would have to give her my name. I declined to do so because of adverse information about her company on the internet, and I stated that if her company has any demand to make of me, she can use my phone number to find my name and mailing address, if these latter data are not already in her companys hands, in order to send me the demand in writing. I told her that my credit reports have confirmed that I have no bad debts outstanding. I then filed the above narrative as consumer complaint # XXXX at the CFPB website on the same day. PRA responded via the CFPB on XX/XX/19 by requesting, in order to investigate the problem, the number of the cell phone on which I had received the company 's call. My feedback on the same day via the CFPB website stated essentially that the companys response was not substantive and that no action or plausible promise was made by the company. My reason for that feedback was the contradiction between 1 ) the companys request via CFPB for my cell phone number and 2 ) an assertion on the phone by the companys customer service representative that my phone number, which I had told her, was not sufficient and that my name would have to be provided. I am now initiating a new complaint via CFPB because today on my cell phones missed call log I found a XXXX XXXX entry from XXXX from an unknown location. I XXXX the number ; some among the many hits of complaints identified the source of that same number as Portfolio Recovery. I had not contemporaneously been aware of or picked up the call and I will not call back. I will not disclose personal information in this complaint. As I had told the customer service representative by phone on XX/XX/19, if the company has my phone number, it can use that information to find my name and address and thereafter to notify me in writing by regular U. S. mail about any ostensible pecuniary demands.
Company Response: Closed with explanation
2019-06-23
Santa Monica, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I requested the investigation that determines conclusively the debt was mine, the company provision was not consistent with their claim
Company Response: Closed with explanation
2019-06-22
Discovery Bay, CA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Since the end of XX/XX/2019 to present, I receive 10-12 ROBO calls/week from this company calling itself a Debt collector and student loan forgiveness/negotiator. I researched every number that this SPAM caller used and traced each number to a Portfolio Recovery debt collector. I blocked each number yet, the calls keep coming in, a different number that indicates on my caller ID, Debt Collector or Suspected SPAM, and no message left on each call. I reported every number to the FTC and I am registered with the national Do Not Call list. I have Caller ID Lists dating back to the end of XX/XX/2019 that displays each number, the day and time and date I received these SPAM/ROBO calls from this Portfolio Recovery. I was directed to contact the CFPB because of the excessive/extent of each call and when I initially answered the call the voice response made an offer to forgive my student loan, and or, negotiate a payoff. I am currently involved in a claim I filed against a student loan collection agency ( XXXX ) and I don't know if this SPAM/ROBO debt collector Portfolio Recovery is affiliated with XXXX. I have an account ( s ) with the CFPB regarding this agency ( XXXX ).
Company Response: Closed with non-monetary relief
2019-06-22
Felton, DE
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-06-22
Beaverton, OR
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-06-22
Philatelic Center, CA
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: This debt was incurred by XXXX XXXX one the year XXXX and it has then been more than 9 years since the debt was owed. USD ( {$400.00} ) XXXX XXXX is no longer expecting their money back because last time I spoke with their entitys representatives they told me that they had written it off. This this third party company is calling my number and has disclosed to me that they have systems in their power of utility to look up my personal familys phone number and call me no matter where Im after I have changed my phone number on more than five occasions. Every time I apply for a new XXXX on my credit they have found my dial on their directory and are contacting me with out any legal representation nor with out any consent of my own prerogative. According to the fourth of amendment of the the U.S. Constitution we as a people have the right to be protected in our persons assets and effects. My call dial number is my effects. ( IV ) They have call me on several occasions answer and I have asked them to take me social security number out of their DOS system and all they do is hang-up on me. They say I have to write a letter to them to disclose to them my current address. I have not and will not do that. They do NOT have my permission to utilize ( use ) my SSN #! They in fact, as far as Im concerned, stole my number from the SSA.
Company Response: Closed with explanation
2019-06-22
Pinellas Park, FL
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: XX/XX/2019 {$370.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect balance and that is against the Fair Credit reporting act.
Company Response: Closed with explanation
2019-06-22
Five Points, NC
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Please remove these accounts as they do not belong to me. Review the attached documentation.
Company Response: Closed with non-monetary relief
2019-06-21
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 non-monetary relief
2019-06-21
Churchville, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2019-06-21
Warren, RI
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: I have received multiple telephone calls from Portfolio Recovery regarding an extremely outdated debt. I have asked them to contact me in writing only but they have ignored my requests.
Company Response: Closed with non-monetary relief
2019-06-21
Tulsa, OK
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: I keep getting calls from portfolio recovery for a debt that was paid off. They said they purchased the debt from XXXX. I can't get my statements because I changed banks and its been a hassle. I want to solve this asap because they are now messing up my credit which isn't right. They want me to pay $ 3,000+. I won't do that when I know I paid of my item, I would like to pay {$1500.00} and get the derogatory mark off my credit reports as well the following are : XXXX XXXX. and XXXX.
Company Response: Closed with explanation
2019-06-21
Philadelphia, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
I demand that the following account be verified or removed immediately : Collections : PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX
Company Response: Closed with explanation
2019-06-20
Ashville, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: This is the third time I have sent a complaint about a Fraudulent accounts. This time I received added a copy of my police report and FTC as well. Please see attached documents.I am the victim I have stated that I have been working to clear up fraud on my credit with an attorney. I have stated that when I pulled my credit report I found more activity that was not mine. I found that accounts I never opened are in collections and a have various judgments on fraudulent accounts.
Company Response: Closed with non-monetary relief
2019-06-20
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: 3 DIFFERENT COLLECT AGENCIES ( XXXX, XXXX XXXX, XXXX, PORTFOLIO RECOVERY ) SENT DEMAND NOTICE FOR PAYMENT OF FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH CLIENT " XXXX XXXX '' ..THE ABOVE COMPANIES CONTINUE TO VIOLATE " FDCPA, FCBA AND FCRA ''
Company Response: Closed with explanation
2019-06-19
Killeen, 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
Investigation took more than 30 days
Company Response: Closed with explanation
2019-06-19
Mount Pleasant, WI
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Information belongs to someone else
Company Response: Closed with non-monetary relief
2019-06-19
Cypress, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-06-19
Queens, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: XX/XX/2019 amounts ; {$1200.00} actions that were taken ; I tell you that this account is not mine name XXXX XXXX XXXX account number ; [ XXXX ] address ; XXXX XXXX XXXX # XXXX XXXX XXXX , NY XXXX Social Security number [ XXXX the debt is not mine, please delete it
Company Response: Closed with explanation
2019-06-19
Oxford, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOV ASSOC, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX RE : 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 : A t 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, i f 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 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 Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must ceasesuch time all collection activity must cease and desist.and desist.
Also, during this validation period, if any action is taken which could be considered 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. 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 reposThis includes listing any information with a credit reporting repository that could be itory that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the If your company fails to respond to this validation request within 30 days from the date of your receipt, all rdate of your receipt, all references to this account must be deleted and completely eferences 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 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 credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.me immediately.
I would also I would also like to request, in writing, that no telephone contact be made by your 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 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 communication with me, including but not limited to computer generated calls and calls or correspondenccalls or correspondence sent to or with any third parties, it will be considered e 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 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 XXXX.me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that y It would be advisable that you assure your records are in order before I am forced to ou 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 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.your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX.
Company Response: Closed with non-monetary relief
2019-06-19
Tyrone, NM
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: This company has been reporting to my credit report for years, which is damaging my credit. I have received NOTHING in the mail to verify what this is, and to my knowledge I don't owe anything to anyone.
Company Response: Closed with explanation
2019-06-18
Margate, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-18
Auburn, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with non-monetary relief