PORTFOLIO RECOVERY ASSOCIATES INC

2019-05-14

NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: The account with XXXX XXXX agreed to a settlement with XXXXXXXX XXXX XXXX by my wife on XX/XX/19. Balance was {$4600.00} they settled for {$2600.00}.
Company Response: Closed with explanation

Timely Response

2019-05-14

NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This debt is expired and also does not belong to me
Company Response: Closed with explanation

Timely Response

2019-05-14

Shulerville, SC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Portfolio Recovery services continues to call my phone morning and night, including weekdays and weekends. They never leave a message and when I do answer, they are very aggressive. I received a phone call once at XXXX on a Sunday, then again at XXXX on a Saturday, and every single day -- multiple times a day -- during the week.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-14

Dayton, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have been working with origin creditor to get this account resolved. I have spoken to XXXX XXXX, on behalf of XXXX XXXX, we established that the last four of my social security number XXXX is not the same as the social security number that is on this account. How can the credit company the account was sold to have something different from the original creditor. Also, on my credit report this account is listed as open in XX/XX/XXXX when in fact XXXX XXXX said this account was open in XXXX. How is this not fraud? I gave XXXX XXXX the last four of my social security number approximately on XX/XX/XXXX and a few days later my last four of my social was put on here by PRA how ironic, now XXXX XXXX is investigating because they explained to me that my social is not the one that is on this account and they do not understand how PRA has something different from what they have provided in their systems. They do not understand why PRA even have the social ending XXXX when they assured me it will go no further than there fraud department investigation after I supplied it to them. This is fraud, bullying, and harassment and something needs to be done for I will not stop fighting for my rights. And I have the right to clear my name and social security. And that is exactly what I am going to do with facts. I will not stop until they remove this account off of me for it is not mines.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-14

Phoenix, AZ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolio 's failure to provide requested information for the debt alleged and repeated phone calls despite being informed of consumer 's legal representation. On XX/XX/XXXX, consumer ( through legal counsel ) sent a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. It has been over 3 months, and consumer has not received this documentation. In addition to this request, the letter also provided instruction not to contact consumer directly. However, consumer has received multiple phone calls from Portfolio Recovery, in which she has told them to contact her attorney, but has continued receiving calls. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts. Finally, this dept is from XXXX, which also means that is is past the 6 year statue of limitations in Arizona, and thus the creditor should cease collection attempts and reporting on the consumers credit report.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-14

Seattle, WA

Fraud or scam

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

Complaint: Portfolio Recovery is reporting a debt that was discharged on XX/XX/2011 and my attorney even sent a letter and email with no response, but its still on my credit report. Can you please help me with this matter. Portfolio Recovery Asso. XXXX XXXX XXXX XXXX, XXXX XXXX phone # XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-05-13

Manhattan, NY

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-05-13

Occoquan, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: A company called Portfolio Recovery calls my phone number constantly for my ex husband who hasnt lived here in over 7 years. Portfolio Recovery is a Debt Collection agency. I keep blocking their number but they call back from different numbers leaving a computer generated message. I have never spoken to them. They have been calling for years.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-13

Seattle, WA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I have repeadedly asked Portfolio Recoveries to stop calling me on my cell phone number and to stop contacting me by phone altogether. I've requested it over the phone and I've also requested it in writing numerous times. This is a blatant violation of the TCPA and this company isn't held accountable for breaking the law. They have called me over 40 times since I requested they stop calling and it's from an automated system. I've also disputed and requested validation on the debt they claim I owe, they have failed to show proof and comply with the FDCPA. Written Requests to Stop Calling : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calls have not stopped and they call from different numbers to try and trick you and tie up my work phone so I'm not able to work ... Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + about 20 different numbers. All listed as Portfolio Recovery Associates I'm also on the Federal Do Not Call List!
Company Response: Closed with explanation

Timely Response

2019-05-13

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: adding debt that is not known to me portfolio and XXXX XXXX sent the ftc violation
Company Response: Closed with explanation

Timely Response

2019-05-13

OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: In XX/XX/2019, Portfolio Recovery contacted me to pay off a very old credit card. I informed Portfolio Recovery that to the best of my knowledge the debt had been paid off years ago. They told me no, still owed the debt ; no offer of proof that they had. I told them that I was not going to pay the debt again. Now they call me 1, 2, or 3 times a day. I now refuse to answer their calls.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-13

Wilkes Barre, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: account sold to PRA -- -paid for delete and they are still refusing to remove it
Company Response: Closed with explanation

Timely Response

2019-05-13

Tampa, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: PORTFOLIO RECOVERY IS IN BREECH OF FRCA. THEY HAVE AN ACCOUNT ON M CREDIT I DO NOT OWE.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-12

Auburn, AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I have no idea. I just do not have any business with these people. This debt collection just appeared on my credit report a few days ago.
Company Response: Closed with explanation

Timely Response

2019-05-12

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent notice to validate debt to portfolio recovery on XX/XX/2019. Portfolio received notice on XX/XX/2019. In return Portfolio sent bills and statements. They did not send documentation verifying the debt. They did not send contract containing my signature or that I was the individual who indeed opened account or owed said debt. I sent a follow-up letter on XX/XX/2019. Portfolio has yet to respond to my request. It is now XX/XX/2019. Well past the deadline of response. Portfolio has violated my rights under FCRA by not responding to my request.
Company Response: Closed with explanation

Timely Response

2019-05-12

Lk Buena Vis, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Calls every single day from multiple phone numbers. Calls from unknown phone numbers up to 6 times in a row. Extremely harassing. Portfolio recovery is the name of company
Company Response: Closed with non-monetary relief

Timely Response

2019-05-12

Reading, PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Debt was a credit card debt that was a ) discharged through bankruptcy and b ) a credit card of my deceased husband. This is also over 7 years old and as been off my credit report for years. Just showed back up since taken over by Portfo! I'm Recovery for whatever reason. Portfolio Recovery are ghouls.
Company Response: Closed with explanation

Timely Response

2019-05-12

Chester, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I have a collection from Portfolio Recovery XXXX. I requested verification from them and all I got was a printout from the company along with statments from the bank. I requested proof that this debt is mine and that the amount is correct. I don't think printing statements is sufficient proof.
Company Response: Closed with explanation

Timely Response

2019-05-12

Pinellas Park, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Reported negative information to credit report. Debt may be result of ID Theft and is unauthorized, and not mine. My statement to credit reporting agencies is : Personal Statement ( s ) on my frozen credit file since 2017 : XXXX17 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX17.
Company Response: Closed with explanation

Timely Response

2019-05-11

Hollywood, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-11

Dearborn Heights, MI

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-05-11

Madison, TN

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

2019-05-11

Bremen, GA

Incorrect information on your report

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

Account status incorrect
Complaint: I am resting a re-investigation of the Portfolio Recovery Services Collection account in the amount of {$570.00} by XXXX XXXX and XXXX This account does not belong to me and should be removed and deleted- Portfolio has failed to provide a copy of any signature of a contract.The debtor XXXX XXXX XXXX is different from XXXX XXXX Portfolio has listed. Portfolio has failed to provide copies of any copies of balance total was calculated to the amount of {$570.00} Portfolio Recovery Services has never mailed me a collection according to the Fair Debt Collections act It is my belief that Portfolio Recovery is in violation Fair Debt Collections P 807. False or misleading representations 2 ( a ) ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false,
Company Response: Closed with explanation

Timely Response

2019-05-11

Round Rock, 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

2019-05-11

MI

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 documentation Portfolio Recovery Associates, LLC, continues to send me as " proof the debt is mine '' is false under the laws of the FTC, FCRA. Again, they have no proof of my legal signature, no proof of a contract between me and Portfolio, let alone the companies they claim to have bought the debt from. The companies themselves say they have no required proof of 1 ) my legal signature, 2 ) my voice recorded by phone applying for a line of credit, 3 ) a video surveillance of me submitting an application for credit. There is NO proof. These accounts can not be validated in any way, shape, or form. Copies of bills are not proper proof of validation. They do not hold up in a court of law. I have been at this since XX/XX/2018. The only thing Portfolio sends me repeatedly are the same copies of bills. Furthermore, because they have no documentation, they keep requesting I send them further documentation. Like them, there is nothing to send because these are not my accounts. They " terminate the investigation into these accounts '' because they know they have NOTHING. I am attaching what I keep receiving over and over again. I want these accounts removed from ALL credit bureaus immediately. This is my last attempt. Next course of action is to serve them court papers to appear before a judge in my jurisdiction where I will also request the allowed {$1000.00} per listing, per offense and per defamation of character and all legal fees which could incur upwards of {$12000.00}.
Company Response: Closed with explanation

Timely Response