PORTFOLIO RECOVERY ASSOCIATES INC

2019-05-22

Chula Vista, CA

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-05-22

Discovery Bay, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: The debt collection company refuses to contact the original creditor regarding a fraud investigation of a third-party and the creditor now alleges that they have no record of such investigation conducted conducted in 2016. According to 12 CFR 235.8 ( c ) ( 1 ), data regarding costs incurred with respect to an electronic debit transaction, interchange transaction fees, network fees, fraud-prevention costs, fraud losses, and transaction value, volume, and type are supposed to be retained for 5 year 's. Why is there no record of how costs increased above my credit limit from {$300.00} to upward of {$900.00} and the fraud investigation conducted afterwards?
Company Response: Closed with explanation

Timely Response

2019-05-22

Chula Vista, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I have contacted Portfolio Recovery on numerous occasion to advise 3 collection accounts which they are reporting on my credit are fraud. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt. One of the debts was previously removed due to fraud and resisted. Another creditor XXXX bank has already acknowledged fraud and acctount not opened on my behalf.
Company Response: Closed with explanation

Timely Response

2019-05-21

Jonesboro, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-21

Beaumont, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-21

Colver, 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
Company Response: Closed with explanation

Timely Response

2019-05-21

Desoto, 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

2019-05-21

Macon, GA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-05-21

Ontario, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-05-21

Indianapolis, IN

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2019-05-21

CT

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: As per complaint Number XXXX, Portfolio responded by trying to defend their claim appearing as legitimate as possible without providing any real verifiable proof as to that claim. They still, after a number of go arounds, have not shown their right to furnish derogatory information to my file besides three hearsay documents and their statement in a response to me where they claim to have received their basis of ownership of these alleged accounts on a spreadsheet with limited data. They have not shown a signed contract, with the terms of said contract listed, a chain of assignment or a sum certain accounting as to the accuracy of the amount they claim to be owed. They misrepresent themselves themselves and conduct themselves in a deceptive manner when they use the term verified to describe the status of their alleged claims on me. These documents they use as their proof, combined with the electronic file and its limited data, they, in defiance of the FDCPA 1692e and the UDAAP from the Dodd-Frank Act, state as establishing the accounts validity. They have never made any serious effort to even provide a verifiable basis of a claim, by oath or affirmation in the form of an affidavit by a competent individual with first hand knowledge of the transactions involved, or at the very least, familiarity with the accuracy of the business records to be able to attest to that accuracy under pain of perjury. They have responded to your last communication with them over this matter by stating their intention to stop their collection efforts, certainly a step in the right direction but, on the other hand nothing was said about them ceasing their furnishing derogatory information to my credit files. In fact on XX/XX/XXXX, several days after I received the response from you, my XXXX and XXXX files were updated, reflecting both of these Portfolio accounts as still active. And I received a communication from XXXX that claims as of XX/XX/2019, the Portfolio accounts are valid and still, even after all this, staying put on my credit file. This is clearly unacceptable. If they accept that they have no basis to continue collections, as stated in that last complaint with the CFPB, then they should have no basis to furnish these accounts on my file with any of the bureaus. They are in violation of Title15 1681, the FCRA by continuing to put this information on my account. This data should cease being furnished along with the ceasing of collections of these alleged accounts.
Company Response: Closed with explanation

Timely Response

2019-05-21

Tylertown, MS

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2019-05-21

TX

Incorrect information on your report

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

Account status incorrect
Complaint: Portfolio Recovery Associates LLC is fraudulently reporting an alleged debt on my credit report as being a Factoring Company Account which it is not. I have never entered into relationship or agreement with Portfolio Recovery Associates LLC at anytime or in any way. This is an attempt by them to skirt the FDCPA and is a violation of the FCRA and other applicable federal and state laws. According to the CFPB Consent Order File No. XXXX dated XX/XX/2015 Portfolio Recovery Associates LLC is a covered person and a debt collector and is subject to FDCPA. By fraudulent listing my account as Factoring Company Account they are making a false representation and committing gross fraud.
Company Response: Closed with explanation

Timely Response

2019-05-20

Federal Way, WA

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: Refuses to provided proof that this is my debt. Pursuant under FCRA they are required to provide original signed documentation providing proof that this is my debt. This company has failed to provide me with signed documentation, they just continue to harass me via mail, sending the same list of transactions with my name on it but fail to provide the correct documentation to prove this is my debt which is required by law in order for them to collect. Also they have let me know via mail that they REFUSE to reinvestigate due to me not providing new information, what information do I need to provide?, I am simply asking them to prove to me that this is my debt which is my right pursuant under the FCRA or they need to remove it from my credit report because they are now providing false information.
Company Response: Closed with explanation

Timely Response

2019-05-20

Cocoa, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: after hundreds of harassing phone calls and letters, I answered a call from them. the woman I spoke with said we could settle the debt for XXXX dollars. I would have 10 payments of XXXX dollars. So I agreed to those terms and sent my first payment of XXXX dollars. Shortly after I made my payment, I got a statement in the mail that reflected a balance of XXXX dollars which should have been XXXX dollars. So I called them to ask if they made a mistake in my balance and they replied, that is your balance. I told them THAT'S NOT WHAT WE HAD AGREED UPON!!! And they said that I had to pay that amount anyway. So at that point I decided that portfoilo recovery was using loan shark and Mafia tactics which I'll have no part of! If they would have stayed with our agreement, this would have been paid off already. Now they are taking me to small claims court XX/XX/2019!
Company Response: Closed with non-monetary relief

Timely Response

2019-05-20

Chicago, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: This debt was settled by the party that I signed a contract with. Last year XX/XX/ I received a call as well as letter stating portfolio recovery brought my debt from a debt collector. I disputed this claim with written notice alerting portfolio recovery that this debt and agreement was cleared. Portfolio recovery removed the debt from my credit report however in XXXX XXXX they have placed it back onto my credit report. I have asked them a number of times to provide with me the proper documentation on this debt and they have yet to send me this information. They have ignored me for the pass two month and they update to my credit report every month which is hurting my credit without proper communication nor documentation.
Company Response: Closed with explanation

Timely Response

2019-05-20

MO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have contacted both Portfolio recovery and XXXX about debt they say I owe. have ask for proof many times and have yet to receive any form of proof of debt. This is on my credit report I have desputed this several times over last two years. Last date was on XX/XX/2019. With XXXX XXXX, they responded this was verified. Have ask for said proof several times with no results. This account number is XXXX Portfolio Recovery. Thank you for your time
Company Response: Closed with explanation

Timely Response

2019-05-20

Berenda, 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: Portfolio Recovery if you would please contact XXXX again to remove the account XXXX from my credit report I have sent them many times your response to CFPB to remove and to this day they refuse to do so. thank you very much
Company Response: Closed with explanation

Timely Response

2019-05-20

Hollywood, 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

2019-05-19

Everett, WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: The company purchased a false debt which is a illegitimate debt.
Company Response: Closed with explanation

Timely Response

2019-05-19

Bedford, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have reviewed a copy of my credit report and notice that Portfolio Recovery Assoc. is reporting a collection account with a balance of {$4400.00}. Portfolio Recovery Assoc, has violated FDCPA rules and regulations by failing to produce me a written debt validation notice that includes amount of the debt, name of creditor, and notice of consumer 's right to dispute the debt within 30 days ( see 15 U.S.C 1692g ( a ) ) What obligation do I have to Portfolio Recovery Assoc.? I have no written contract with Portfolio Recovery Assoc. nor have I received benefits from them, yet they have furnished information to the credit bureaus against my name and social security number demanding I pay {$4.00}, XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-18

Moreno Valley, CA

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-05-18

Gloucester City, NJ

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: i dont know who this company is but I do not owe this account
Company Response: Closed with non-monetary relief

Timely Response

2019-05-17

Somerville, AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-05-17

Los Indios, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are. On XX/XX/2019, I wrote a 2nd letter to your office regarding debt collection letters I was being sent for an account that I have no knowledge of. You were asked to submit to me the note, signed contract, application of the referenced account or something similar. Instead, I received a few pages of a credit card statement that simply had summary of totals with my name included. You further explained that you had purchased the credit card debt from XXXX XXXX XXXX after a charge off that had occurred in that letter response. I reiterated to you, your company has not provided verifiable proof, as required by Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), receipts of charges with my signature, contracts with my signatures, etc. - that the debt they say I owed is actual mine, other than printing a few statement pages. The account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges and the account itself is being disputed. I do not agree that your company can simply use any documentation given from the creditor that sold you the credit card account to you ( at pennies on the dollar I am assuming ) and then turn around and use that limited information as your bases to file a lawsuit against me over state lines to collect whatever was stated on those papers. I am under financial distress. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe because of a series of recent catastrophic events that have set me back. I am currently the primary support person in my mothers XXXX care treatment. I was forced to reduce my hours at my day job and eventually had to quit altogether due to the number of absences I needed to take so I could take care of my mother. This catastrophic event impacted all our family members finances including mine since our mother was uninsured for medical XXXX care. Additionally, I am paying for my own personal deteriorating health care and living expenses by seeking the help of others and selling personal property of mine for day to day survival needs - since I am currently unemployed. As a result, I have not been able to save any extra money for a bankruptcy lawyer to help me file for bankruptcy protection ; however, I will continue to look for work to raise enough money to start a bankruptcy petition in mid-2019.
Company Response: Closed with explanation

Timely Response