PORTFOLIO RECOVERY ASSOCIATES INC

2019-06-12

Roswell, GA

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

Timely Response

2019-06-12

Fort Worth, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I have contacted Portfolio Recovery by mail to try to negotiate a settlement. They have not responded to my request. I would like the cfpd help in having them respond to my request.
Company Response: Closed with explanation

Timely Response

2019-06-11

South Florida, FL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-06-11

Atl, GA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2019-06-11

Liverpool, TX

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I sent a cease and desist order to Portfolio Recoverys corporate office and billing office. Two of the accounts they are calling for were settled in a court of law. The most recent is currently being paid off now under a new debt settlement offer. They call from multiple numbers. I have kept a record of all the numbers they call from before the cease and desist order and after the order was sent. The cease and desist order was mailed XXXX XXXX. They call multiple times a day from different states. They have no reason to even be calling me. All accounts associated with this unethical company have been addressed In the Justice Court XXXX County, Texas Precinct XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. XXXX. Under Judge XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-11

Arco, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: PORTFOLIO RECOVERY bought the Debt from XXXX XXXX as of last year for two cards in the total amount of {$3200.00} one card is for {$1200.00} and the other capital one card is for {$2000.00} although the debt is nearly 3 1/2 years old. I didn't receive any documentation of my right to dispute or any paperwork for that matter. The next thing I know they're trying to take me for court and they didn't have an amount and no information specifically underlying my " case ''. I do not like the fact that this company is trying to bully me into paying a debt that I do not mind paying but using hostile tactics from a loan that they just bought from XXXX XXXX in XXXX and the debt pre-dates XXXX. ( Default of loans in XXXX ). This new loan has affected my credit score because it makes it looks as though my debt is brand new and it's not. I would like all reports from Portfolio Recovery to be removed since it's not from the original company ( XXXX XXXX ). I understand that Portfolio Recovery Soon after they first contact you, the debt collector is required to notify you of your right to dispute the validity of the debt. Then, you have 30 days to send a debt validation letter requesting proof that the debt is yours. After receiving your letter, the collector must stop collection activity until theyve sent the proof. Portfolio Recovery did no such thing. I never received that nor did I know that I have a window of time to dispute it. I understand that each state and rules may vary but my concern is that these loans will continue to be rebought over and over, as they continue to not only break the rules and keep me in the dark but hurt my credit and lively hood as well. I would like to come to some kind of peacful resolution.
Company Response: Closed with explanation

Timely Response

2019-06-11

Houston, TX

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

Timely Response

2019-06-10

MA

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
Complaint: XX/XX/XXXX, 2019-requested complete account history including payment history-received incomplete history from PRA. XX/XX/2019 -submitted another request stating documents received were not complete history and didn't include payment history. XX/XX/XXXX, XXXX- sent letter stating PRA did not complete my request within 30 days and account must be removed from credit report. XXXX XXXX- account was removed from my credit report as requested. XXXX XXXX-account was relisted on my credit report with no notification from PRA. XX/XX/2019 - sent demand letter to PRA stating they violated FCRA by not completing my initial, multiple requests within 30 days as well as violating due to putting account back on my credit report without notifying me. XX/XX/XXXX, XXXX-emailed PRA copies of previous requests mailed demanding account be removed from credit report. XX/XX/XXXX, XXXX-received notice from PRA that since I didn't respond to their " request for further information '' the investigation is closed - never received any such request via mail or email. This company is in clear violation of multiple FCRA laws and this account should be removed from my credit report immediately.
Company Response: Closed with explanation

Timely Response

2019-06-10

Houston, TX

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Complaint: I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. {$470.00}
Company Response: Closed with non-monetary relief

Timely Response

2019-06-09

TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Portfolio Recovery Associates has repeatedly harassed me both at my place of business and on my personal phone. They also have been spoofing their ID trying to hide their numbers from me so Ill answer their nasty calls. Ive told them numerous times not to contact me at work but they still are. I do not owe these people anything and their harassment needs to stop. They just called me today on a Sunday. Thats taking it too far on a Holy day.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-09

Cheverly, MD

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Complaint: On XX/XX/2019, a debt validation letter was delivered to Portfolio Recovery ( XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ) as to validate an account reporting on my report. Their 30 day investigation would have ended XX/XX/2019 and I still have received no response.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-09

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: In XX/XX/2019, I conducted a review of my credit report. I found items that I was unaware if the debts actually were valid. Therefore, I began to dispute with the credit bureaus. Upon doing so, I received a letter stating that the debt was valid with a duplicate bill. According to FCRA laws, this does not substantiate the debt being valid, or, belonging to me. This company is known for such illegal collection tactics as well as failure to adhere to the laws of FCRA. Prior class action lawsuits indicate this. Yet, they still continue to engage in the same unethically and illegal practices.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-08

Kansas City, MO

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

Timely Response

2019-06-08

Coral Springs, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-07

Las Cruces, NM

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-06-07

Plattekill, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-07

Columbus, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have been receiving daily calls from phone numbers I do not know. After doing research, I see that it is coming from Portfolio Recovery. I have no dealings with this company and they are calling me on my cellphone, which I definitely did not give them my phone number. I would appreciate it if they would stop calling.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-07

Glendale, CO

Took or threatened to take negative or legal action

Debt collection: I do not know

Collected or attempted to collect exempt funds
Complaint: My mom had a XXXX XX/XX/19. I called the debt collector on XX/XX/19 because they had called my mom 's cell phone. I told the person my mom had a XXXX & was on XXXX & XXXX. The debt collector said she would note the account. I have now learned that the same day, XX/XX/19, I suspect after talking with me, they filed for wage garnishment against my mom 's XXXX for {$780.00}.
Company Response: Closed with explanation

Timely Response

2019-06-07

Wallington, NJ

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Please be advised I have submitted numerous disputes to PRA regarding a fraudulent account they are continuously reporting to the credit bureaus. They have violated my rights to dispute the fraudulent account by sending letters to the wrong address knowingly I lived out of the state and then had the audacity to respond to my CFPB complaints stating I didnt take the opportunity to dispute. The latest of their shenanigans is attaching letters in a foreign language so why send letters in a foreign language? You clearly know I speak and read English and its my only language. PRA has been purposely, maliciously attempting to collect a debt that clearly hasnt been validated by any means and in the process has broken many laws in their attempt. Please see enclosed my letters in reference to this matter.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-07

Durham, NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have tried to contact this credit card company, XXXX XXXX/XXXX as well as the collection agency Portfolio Recovery Associates LLC asking them several times to send me Verifiable Proof ( An Original Consumer Contract with my signature on it ) stating this debt of {$2000.00} is mine. They have failed to positively verify this account which has hurt my ability to obtain credit. XXXX XXXX/XXXX as well as the collection agency Portfolio Recovery Associates LLC continuously sends bills and collection letters in the mail that DO NOT belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of verifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX and XXXX Credit Report. Thank you!
Company Response: Closed with explanation

Timely Response

2019-06-07

Cordova, TN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have contacted this company several times about 2 accounts for XXXX XXXX. I have 3 accounts on my credit report. The 1 that is actually mine has been paid off. These two that were bought by Portfolio Recovery, LLC. The balances are {$450.00} and {$420.00}. I asked wrote this company over 4 times requesting specific validation of the debt, including signed contracts. The only thing that I was sent was a billing statement for the account with the {$450.00} balance. I have called and requested validation and was told that information could not be sent out because debt is too old to dispute. I was told that if I did not submit a settlement offer they would notify my employer. And I paid they would remove information from my credit reports. I submitted an offer and they denied it as well. I have tried everything possible to dispute the debt and have it removed. I have only had 1 XXXX XXXX account but Portfolio Recovery will not assist with validation or removing the debt.
Company Response: Closed with explanation

Timely Response

2019-06-06

Rose Hill, 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

2019-06-06

Rayford, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-06

FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Never received any notification of this debt or.right to.dispute
Company Response: Closed with non-monetary relief

Timely Response

2019-06-06

San Diego, CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: This company is 'Portfolio Recovery ', contacting me via my cell phone from XXXX. I have repeatedly told this company to stop contacting me about this debt that is >16 years old. They always call from unidentifiable numbers. I have sent them letters via certified mail, still, the calls continue. I use my cell phone for business purposes. I can't handle having these harassing calls continue year after year despite my every effort to get them to stop. If they do not cease I will take action in small claims court for every FDCPA infraction.
Company Response: Closed with non-monetary relief

Timely Response