PORTFOLIO RECOVERY ASSOCIATES INC

2019-05-27

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: ftc violation showing on credit report sent ftc and all required documents to have these accounts removed
Company Response: Closed with explanation

Timely Response

2019-05-26

Tampa, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-26

Kenosha, WI

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-05-26

Maricamp, FL

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-05-26

Bremen, GA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Dear Portfolio Recovery Services This is an official notice to formally advise you that I believe your company has violated several of my consumer rights. Specifically you : Failed to validate a debt at my requestFDCPA violation I have requested over 5 times for debt validation through the Consumer Federal Protection Bureau with out any verfication of a debt amount of {$590.00} Continued to report a disputed debt to the CRAFCRA violation Portfolio Recovery Services has validated this debt with the 3 Major Credit Reporting agencies without debt validation of XXXX Not only have you ignored my prior requests for validation of debt reported by the Consumer Federal Protection Bureau ( CFPB Compaint # XXXX, CFPB Complaint # XXXX or CFPB # XXXX ), but you continue to report this debt of XXXX to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt was ever owed ( {$590.00} ) Balance claimed including all fees, interest, penalties, payments or balance adjustments made to Portfolio Recovery to the balance owed of ( {$570.00} ) Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-25

Hawthorne, CA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-05-25

Hinkley, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I've been getting multiple calls from different numbers. The company calling is portfolio recovery. They call my cell and my house. I used to get letters but i haven't received any lately. The debts they're attempting to collect on are over 10 yrs old. I'd like this harassment to stop.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-24

Cambridge, KY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-05-24

Batavia, OH

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-05-24

Bellevue, WI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-05-24

Sebring, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Try to have them update the info placed on my credit report. They are not updating information on a timely matter.
Company Response: Closed with explanation

Timely Response

2019-05-24

Allentown, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: 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. On Account : NA in the amount of {$2300.00} 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.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-24

El Sobrante, 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: The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XXXX. And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.
Company Response: Closed with explanation

Timely Response

2019-05-24

Saint Paul, MN

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

Timely Response

2019-05-24

Maynard, MA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Hello, I hope this complaint finds you well. I was happy to resolve this pending issue with XXXX. However, on my XXXX credit report now it was recently added that Portfolio Recovery is seeking {$680.00} that has been already closed and paid. It is improperly showing a collections account from the original creditor XXXX XXXX. This account in particular has already been paid off and closed on my XXXX credit report, but still showing on my XXXX report. Please find images backing this claim up attached to this message. I had initially sent this dispute to XXXX along with a Debt Validation Letter to Portfolio Recovery on XX/XX/XXXX. The parcel was never responded to. Furthermore, I currently have a XXXX XXXX credit card as additional proof, and have been diligently paying this card for the past 8 months. Please help me resolve this issue with XXXX. Attached to this email you will find the Debt Validation letter I have sent Portfolio Recovery, along with my XXXX report confirming that they have removed said Collections account from my report. Furthermore, you will find my XXXX Credit Report dated XX/XX/2019 which only shows 1 ( ONE ) collection account that was on my report. Please find all associated evidence that I have accumulated. To add further grievance, when I contacted Portfolio Recovery they refused to provided me any further information nor validation for said debt. The confirmation number for my XXXX dispute is XXXX. I would sincerely appreciate any help that you could give me for this issue!
Company Response: Closed with explanation

Timely Response

2019-05-24

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I have disputed the collection amount of XXXX with Portfolio Recovery several times. The amount owed is incorrect and has been settled. This debt is no longer valid. ( Non-verified ) please remove from credit report. Under the FCRA is information is incorrect.
Company Response: Closed with explanation

Timely Response

2019-05-23

Detroit, MI

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-05-23

Lake Worth, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-05-23

Hanceville, AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2019-05-23

Blue Hill, AR

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with non-monetary relief

Timely Response

2019-05-23

CT

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: The company portfolio recovery has start a campaign of phone call on my cell and home number using a rolling number tactic meant never the same number calling my cell phone has over 20 numbers all listed to portfolio recovery I'm out of work and told them that and when I get job I will contact them they persist on calling 5 to 7 times a day please help
Company Response: Closed with non-monetary relief

Timely Response

2019-05-23

Saint Joseph, MO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-23

Auburn, AL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Company refuses to send me proof of debt. If I have this info, I can do a better job of pursuing clearing this fraudulent debt from my name. Currently, I have zero information about this debt. I have filed an identity theft report via the FTC.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-22

Wahiawa, HI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-22

Columbia, SC

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response