PORTFOLIO RECOVERY ASSOCIATES INC

2019-05-17

AL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: The company filed a lawsuit against me. I contacted the company to work out a way to pay the debt. We worked out a repayment schedule. After we agreed to a monthly payment schedule they went to my bank account and took all the money out. Left me completely broke without money for food or anything. I contacted the company and asked what happened to our repayment agreement and they said we have our money now Good bye.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-17

Boston, MA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with explanation

Timely Response

2019-05-17

Chicago Heights, IL

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

Timely Response

2019-05-16

Cele, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-16

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-05-16

Arco, CA

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Company Response: Closed with non-monetary relief

Timely Response

2019-05-16

Knightsville, SC

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

2019-05-16

Arco, CA

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Company Response: Closed with non-monetary relief

Timely Response

2019-05-16

Lawrenceville, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-16

Coconut Grove, 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

2019-05-16

PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: A XXXX debt collection company by the name of Portfolio Recovery Associates have filed a lawsuit against me and have negatively impacted my credit by attempting to collect debt that isnt even on my credit report and is well past the four year statute of limitations on debt collecting in Pennsylvania, most likely the debt is more that 10 years old.
Company Response: Closed with explanation

Timely Response

2019-05-16

Macon, GA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Portfolio Recovery Associates has been repeatedly calling me and harassing me from different phone numbers all times of the day. I have asked them to stop calling me and they have failed to cease calling me. I have blocked more than 20 different phone numbers that this company and its employees use to call me. They have also sent letters threatening to sue me. I am really tired of the repeated harassment. I am tired of blocking numbers every other day. Stop harassing me.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-15

Phila, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-15

Dania, FL

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

2019-05-15

Walnut Spgs, 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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-05-15

Apopka, 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

2019-05-15

Bellmore, NY

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: PORTFOLIO RECOVERY ASSOCIATES is the debt buyer of which I do not have a contract with. Nor was I ever properly served to offer the opportunity to dissolve this account. During this time period indicated on my XXXX account the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been almost seven years reaching the statute of limitations. I am hopeful that you are understanding of the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.
Company Response: Closed with explanation

Timely Response

2019-05-15

Wallington, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: PRA has violated ALL RIGHTS!!! I WAS NOT GIVEN THE RIGHT TO DISPUTE AN ACCOUNT THAT CLEARLY DOES NOT BELONG ME. THE FACT THEY MAILED THIS SO CALLED LETTER TO AN ADDRESS THAT I DONT LIVE AT AND THEN CLAIM IT WASN'T RETURNED SO THEREFORE ITS BELONGS TO ME ITS A COMPLETE DISGRACE AND MOCKERY OF MY RIGHTS. HOW CAN THEY GET AWAY WITH THIS?????
Company Response: Closed with explanation

Timely Response

2019-05-15

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: portfolio recovery has repeatedly claimed I owe a debt of XXXX with no proof. I have written and asked for any legal proof and they constantly deny me a response. They have hounded me for many years with collection letters.
Company Response: Closed with explanation

Timely Response

2019-05-15

Oaklevel, VA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I received a call didnt recognize the number so I contacted the number back. I verified my name and phone but the representative REFUSED to tell me why they were calling wanted me to verify my social and date of birth or address told her I was comfortable verifying that information until I knew why they were calling she said she just needed to me verify my address. I verified but she then said she had to have my social and date of birth told her I didnt want to verify that information until I knew why they were calling she again refused. I told her to contact my attorney she said she couldnt take that information that she would ha XXXX to call my back. Her name was XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-05-14

Duluth, GA

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

2019-05-14

Lake Nepessing, MI

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-05-14

Lugoff, SC

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-05-14

Addisleigh Park, NY

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted you after you asked them to stop
Company Response: Closed with explanation

Timely Response

2019-05-14

MS

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Yeah I Send Dispute To Creditor But I Never got Response back from them at all .. XX/XX/2019 Balance is {$740.00}
Company Response: Closed with explanation

Timely Response