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 46
2019-06-06
Dayton, OH
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I sent Certified Mail a dispute to Portfolio Recovery and to request validation under FDCPA. I asked for additional items to be provided. On XX/XX/XXXX I received a response stating this account was sold to them and they included their electron file stating a balance of {$1000.00}. They failed to provide enough information to validate the debt. on XX/XX/XXXX I sent them a certified letter stating they have failed to validate debt. They have not provided any of the information I requested nor did they provide a signed contract showing my liability. They have not provided proof that they are authorized by the original creditor to collect on this alleged debt. On XX/XX/XXXX they Responded with additional attachments to support their validation. The attachments were copies of the credit card bill which does not validate this debt. The billing statements they included are dated for XX/XX/XXXX & XX/XX/XXXX yet they are reporting that XX/XX/XXXX these items were placed for collection. They are reporting to all three credit reporting agencies.
Company Response: Closed with explanation
2019-06-06
Philadelphia, PA
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 submitted disputes for collection accounts on my credit report online and over the phone. I sent a copy of the letter from one account stating XXXX Account # XXXX was investigated and is to be deleted. When I spoke with XXXX rep I was told it doesn't make a difference and I have to wait till it drops of next year. I informed him that's it's in writing that it is to be removed from my credit report I spoke with rep on XX/XX/19. I also uploaded docs to them. Portfolio Recovery # XXXX XXXX is to be deleted from my credit report.
In addition my credit score dropped 26 points after disputing I called XXXX and asked why I was not given a clear answer I was transferred to two different departments and dispute department rep was rude and did not explain why my score dropped. I was told my score would not decrease my disputing collection accounts. I was missing informed and not provided a clear answer and my credit score dropped for unknown reason with XXXX.
XXXX did not explain to me the reason why my score dropped 26 points and refused to delete XXXX account although I have letter stating it is to be removed after investigation XX/XX/19. XXXX did not explain why my score dropped 26 points after my disputing items that have been on my credit already.
Company Response: Closed with non-monetary relief
2019-06-06
Piedmont, AL
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Portfolio Recovery Associates continue to call my wife 's phone looking for me. She has told them several times that I am not available and asked if she could help them with something. They then want her to confirm information. We will not confirm any information with them because they refuse to tell us for whom they are collecting. They just tell us Portfolio Recovery. Until these phone calls started we had never heard from them. I am hesitant to give out any identifying information to someone that I have never heard of. They tell us that if we will just confirm the information then they will tell us who they are representing. I have never signed a contract with Portfolio Recovery so I feel that I do not owe them anything. I really wish they would quit calling. My wife and I have both told them multiple times to quit calling unless they were going to tell us for whom they are collecting.
Company Response: Closed with non-monetary relief
2019-06-06
Brooklyn, NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Over a series of months I have contacted this company on multiple occasions through certified mail and emails asking them to provide me terms for payment as well as how to pay this debt, they have ignored every form of contact and will not provide me any information on how to settle this debt. They are putting it on my credit report and refusing to give me the information I need to even pay it.
Company Response: Closed with explanation
2019-06-06
GA
False statements or representation
Debt collection: Credit card debt
Impersonated attorney, law enforcement, or government official
Complaint: The following people were contacted by this company- me, my husband, my father, my mother, my sister, my sister-in-law, and I was left a message at my place of employment. They stated that I was a defendant in a lawsuit and I needed to contact them within the next 24 hours- this is Portfolio Recovery Services about old debt that has been written off. The phone numbers they called from were XXXX and XXXX.
Company Response: Closed with non-monetary relief
2019-06-06
Ft Myers, FL
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: Have received numerous calls from Portfolio Recovery Associates from spoofed numbers. Today XX/XX/19 XXXX EST auto dialer there was a long pause before someone responded. They asked for me by my old last name ( prior to marriage ) and stated this was a recorded line. I told the woman on the line that clearly due to the long pause they are using an auto dialer and that I have numerous times ask that they not contact me. They have also called my cell I have since changed it due to their repeat calls, I block their number and they call back under a spoofed number.
Prior letters this company have sent were for a time barred debt so they stated they could not sure but continue to call.
Company Response: Closed with non-monetary relief
2019-06-05
Stone Mountain, GA
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-06-05
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-05
Phila, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-06-05
Metairie, LA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-06-05
Gastonia, NC
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-06-05
MS
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Company Response: Closed with explanation
2019-06-05
Dundee, NJ
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2019-06-05
Westfield Ctr, OH
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-06-05
Bloomington, MN
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-06-05
San Antonio, TX
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: on several occasions.
I have told people from this company to stop calling.
I requested that it was my right according to the FDCPA.
On XX/XX/2019 I told one credit collectors named XXXX XXXX. to stop calling.
He told me that my word was good only for 10 days and that I should put in writing.
My last conversation with XXXX XXXX was recorded and he was also notified of those actions. Even though he was polite but he keep insisting of why I was not going to pay this bill. I notified him of my action to come soon. He just ignore me and continue with his attempt to collect the debt. This was The last straw. I tried to put an end to this in a civilize way. I will proceed with legal actions against Mr. XXXX XXXX and his company Portfolio Recovery located in XXXX Va. Any other information obtain on this case will be used against them.
Thank you Mr. XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief
2019-06-05
Church Point, LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Portfolio Recovery Associates calls me every month or so asking if there is a XXXX XXXX ( This is not my name ) the latest number is from XXXX. The first time i received a call more than 6 years ago, the name happened to be my grandfathers. i told them this but it was clear very soon that because of the DOB and SSN it was not him OR ME. i go through this whole conversation every month with them. They tell me my name willl be taken off, then i get a call in a month or so!. i have called the number back the last few times and the same person picks up! VERY FRUSTRATING!!!
Company Response: Closed with non-monetary relief
2019-06-05
Bremen, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I received a phone call from Portfolio Recovery Associates about the debt that is no longer on my credit and it is has been removed. They continue to call me and harass me at work and on my cell. They need to update their information and stop harassing people for no reason. My credit is clear and I do not owe anything to anyone.
Company Response: Closed with non-monetary relief
2019-06-05
Kansas City, MO
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to arrest you or take you to jail if you do not pay
Complaint: Portfolio Recovery Associates, LLC. -they call my phone once per day, 7 days a week. Between the hours of XXXX XXXX-XXXX XXXX central. It's a automated call at first. When I answer, it takes approximately 15 seconds before a live person joins the line. They'll have people representing that their a law enforcement official. They use vulgar language and intimidation while on the phone. They never explain what the debt is for. Or for how much. They ask for personal information before being able to reveal the debt. They'll even call friends and family of mine harassing them.
Company Response: Closed with non-monetary relief
2019-06-04
Gainesville, FL
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-06-04
E Stroudsburg, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-06-04
Oakland, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-04
Kingsport, TN
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-04
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
2019-06-04
Wascott, WI
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt was paid
Company Response: Closed with non-monetary relief