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 53
2019-05-11
DC
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: XX/XX/2019 Re : XXXX & Portfolio Assoc collecting agency Dear Sir/Madam : XXXX & Portfolio must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address.
Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate.
Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number!
I tried to resolve this issue through XXXX credit council but to no avail.
Can you advise how to proceed without providing them any assistance to harass me?
Lastly they violate FCRA. So they must remove both items.
Company Response: Closed with explanation
2019-05-10
Mount Oliver, 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
2019-05-10
Azusa, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-05-10
Murray, UT
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Police Report ( Case Number- XXXX ) XXXX credit cards were fraudulently used without my permission. It's been a difficult task finding the police report and number due to our house being flooded and losing everything. But I found the police report and PORTFOLIO RECOVERY has failed to remove this debt in my name.
Company Response: Closed with explanation
2019-05-10
MN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Upon starting the audit of my personal credit reports, I found multiple inaccuracies from XXXX XXXX and XXXX XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by Portfolio Recovery Associates for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.
Company Response: Closed with explanation
2019-05-10
Atlanta, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: i did busines with capital one not this third party debt collector this company can not show proper debt validation and by regulation of the fcra section 609 they have to provide original contracts which can not be provided by this third party company whom is trying to collect illegally
Company Response: Closed with explanation
2019-05-09
Coconut Grove, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-09
Chicago, IL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-05-09
Amity Harbor, NY
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was paid
Company Response: Closed with explanation
2019-05-09
Hilshire Village, 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
2019-05-09
Kirtland, NM
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Portfolio Recovery is attempting to collect a debt I do not owe on account # XXXX. I never received anything for this debt and it is very old and past the statute. I should not have this debt, I do not owe it.
Company Response: Closed with explanation
2019-05-09
Tarzana, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: This is my second complaint! My initial complaint I addressed never receiving a dunning notice for this alleged debt, as well as addressing how the validation information theyve provided does not have my valid address on it. Ive had a XXXX XXXX XXXX checking account in which Ive enclosed statements from the month PRA claims XXXX sent a letter informing me that theyve handed a account ( not XXXX account over to them. These statements have my previous, and current address on them. The alleged dunning nothing sent by PRA contains the same address the alleged notice from XXXX has as well. Mysteriously, PRA does in fact have my current address, and has sent communications thus far. These documents theyve sent previously, this has been the very first time Ive laid eyes on these. Additionally Ive attached communications showing that they submitted my file to their attorney XXXX and XXXX during an active credit bureau dispute, per their words they sent it on XX/XX/XXXX, in which the active dispute did not close until XX/XX/XXXX, as well as I received notice from their attorney during a new dispute. Additionally PRA sent me a notice stating they were closing their disputes bc they had not received requested documents from me, this letter was dated XX/XX/2019 the only thing Ive ever received from alluding to any type of documents needed from me ( which is never actually asked ) was dated for the exact same day that the letter stating they were closing this dispute was dated for XX/XX/2019. PRA is a very deceptive company, and their track record shows this! They have been lying, and sending falsified documents hoping that no one questions them! They are violating FCA laws, and no one is holding them accountable!!!!
Company Response: Closed with explanation
2019-05-09
Coconut Creek, FL
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: Received a call on XX/XX/2019 XXXX Eastern Time with caller id " Suspected Spam XXXX ''. The XXXX male calling asked for my name and I asked him who he was. He told me only his name ( which I do not recall ) & I told him that I did not know him, then he told me that he was from Portfolio Recovery. The call has a warning that it was being recorded. He asked if I was XXXX XXXX and I said yes and added that is a common name. He gave me a month & day of a birthday and asked me if it was my birthday ; it wasn't and I said, " No ''. He gave the last 4 digits of a social security # to see if it was mine ; it wasn't so I said, " No ''. He gave me a street number and asked me if that was the street that I lived on, it wasn't and I said, " No ''. He responded as if he was satisfied with my responses.
In the past 4 or 5 years I have received numerous calls, mostly robocalls, from Portfolio Recovery and they keep calling. They had expected me to give them my name without their showing that they were looking for somebody with my name. I should have the right not to give my name to a caller. I know it is not me because my credit is fine.
They should stop calling me because I am definitely not the person that they are looking for. I should not pay the consequences of harassment for somebody else 's debt. If they can not find the right person that is their problem, not mine. They should also identify themselves accurately on the caller id.
It seemed like the caller today was satisfied with my responses, but something similar has happened a few years ago and they have continued to call me all this time.
Company Response: Closed with non-monetary relief
2019-05-09
Oxford, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Disputed this fraudulent credit item with XXXX Report Number : XXXX who states item verified. The company was unable to submit verifiable documentation of the debt. Submitted notice of possible violations to all parties ( XXXX & Its Client Data ) FCRA Section 1681 ( C ) ( 1 ) ( 6 ) FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines.
COPY OF NOTICE SENT ALL PARTIES ============================================================== CONSUMER COMPLAINT NOTICE!
FCRA Section 623 VIOLATION!!!!!
FCRA 5 U.S.C. 1681s-2 FURNISHER VIOLATION!!!!!
( 15 USC section 1681e now being enforced pursuant FCR 15 USC section 1681i ) PUBLIC LAW 910-508 Title VI CCR/Sec.617 MORTGAGE LOAN PENDING!!!
( Principal amount in excess of {$50000.00} ) Final NOTICE! ( XXXX & Its Client Data Reporting ) FCRA Section 1681 ( C ) ( 1 ) ( 6 ) FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines RE : XXXX Report Number : XXXX This letter is a request to have the below listed accounts re-investigated, corrected, the reporting creditor denies having been contacted by this bureau in reference to this issue. Moreover, the reporting creditor is unable to provide verifiable documentation of reported debt to XXXX. Pleas removed this negative item from my credit files, and all unauthorized inquiries updating credit file with these corrected changes ASAP. These incorrect items is affecting my credit score which has caused problems with acquiring mortgage financing approval for my home purchase, and also, there may also be a violation of 15 USCS 1681e, including FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} {$2500.00} statutory fine. Send names and addresses of persons recently contacted with 30 day. This information needs to be corrected before my mortgage loan go into underwriting as soon as possible. Please mail me an updated copy of my credit report including credit score to submit to my loan officer. Moreover, Im requesting that all unauthorized inquiries be removed from my credit files as soon as possible. Thanks!
Cordially, Consumer Attest/Signature : XXXX XXXX Cordially, LOAN CLOSING DATE : XX/XX/XXXX XXXX XXXX SSN # : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX, Ga XXXX cc : Consumer Complaint Board Consumer : Creditor Name Acct # Comment PORTFOLIO RECOV ASSOC XXXX. Not Mine XXXX XXXXXXXX XXXX Never Late Inquiries XXXX Remove All Unauthorized Inquiries
Company Response: Closed with explanation
2019-05-09
Lewisville, TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: *Portfolio Recovery Violated/failed to respond Texas finance 392.202.
*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/XXXX and IT WASN'T A DISPUTE, Portfolio Recovery Associates , LLC handled my request as FDCPA DISPUTE.
# # Complaints, As of today XX/XX/XXXX 1. Portfolio Recovery didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports.
3. Remark trade lines as disputes.
Company Response: Closed with explanation
2019-05-08
Allingtown, CT
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
2019-05-08
Tustin, CA
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation
2019-05-08
Jacksonville, FL
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Company Response: Closed with explanation
2019-05-08
TX
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Contacted your employer
Complaint: Portfolio Recovery Assoc. calls my job daily some days up to 3 times a day asking for me after we stated this is a work place and to not call the company back. Too many dates to name it has been happening on the daily for past couple months and now its affecting my job due to the sales department has to answer all calls so not like we can ignore the call. But my job is upset with me because of it!
Company Response: Closed with non-monetary relief
2019-05-08
Crossings, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.
Items : PORTFOLIO RECOVERY {$1000.00} PORTFOLIO RECOVERY {$930.00} Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from My credit reports. I demand the account be verified or removed immediately!
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.
I have forwarded a copy of this letter to the Federal Trade Commission.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Company Response: Closed with explanation
2019-05-07
Hagerstown, MD
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with non-monetary relief
2019-05-07
West Palm Bch, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-05-07
West Palm Bch, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-05-07
Bonny Doon, CA
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2019-05-07
Baton Rouge, LA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I have requested validation, made pursuant to the Fair Debt Collection Practices Act. FDCPA XXXX07 [ 15 USC 1962e ] several times from Portfolio Recovery Associates. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Portfolio Recovery Associates.
Portfolio Recovery Associates has violated the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; by placing multiple negative marks on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company they may represent.
Since Portfolio Recovery can not validate the debt, I am requesting that all credit reporting agencies delete the entry.
Given the urgency of this matter, I will also be filing a formal grievance with XXXX XXXX XXXX XXXX XXXX XXXX, as well as the States Attorneys office of Louisiana. I will continue to explore every avenue of this matter until resolved.
Company Response: Closed with explanation