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 54
2019-05-07
NV
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: I requested a copy of my credit reports and noticed that this company was reporting an inaccurate debt on my report. I sent a letter to this company on XX/XX/XXXX asking them to verify this debt owed as mine. I received a letter back, which they failed to verify anything, instead Portfolio Recovery sent me a list of charges or an itemized bill of what I alleged owed. As shown on the statements that I were sent for XX/XX/XXXX, this is NOT my name NOR is this my address. I clearly indicated my information on the first letter.
I was confused as the originally creditor was XXXX XXXX.
When did Portfolio Recovery become a bank or a lender?
On XX/XX/XXXX, I sent a follow up letter, once again demanding validation of this alleged debt that I owe this company. I received a response, that stated that any further disputes would not be looked in to as they have already verified THEIR information to be accurate.
Company Response: Closed with explanation
2019-05-07
Calabasas, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-07
Canoga Park, CA
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-05-07
Fred, 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
2019-05-07
San Bernardino, CA
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: They call and call no answer and I never sign any contract with this collection agent! By law if I dont sign any contract with this agency this need to be removed from my credit report!
Company Response: Closed with explanation
2019-05-07
NY
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: Repeated calls even after sending and receiving confirmation of receipt of a cease and desist order.
Cease and desist sent : XX/XX/2019.
Confirmation received : XX/XX/2019.
First subsequent call : XX/XX/2019. See attached email chain. I responded to the call via email, including the Cease and Desist order, copied the NY and Virginia State Attorney 's General, and The Virginia State Attorney General 's Office acknowledged my request to Portfolio Recovery Associates and logged my complaint.
Second subsequent call : XX/XX/2019. I responded to all again requesting the Cease and Desist order.
Company Response: Closed with explanation
2019-05-07
FL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: There was a mistake made at XXXX XXXX and I worked with them to resolve it and they closed my acct. Then these collection agencies, Portfolio recovery associates started to threaten me and reported it to XXXX who destroyed my credit rating. Now they say I need to get a credit card to help my credit score and try to get me to sign up for one or my credit will be destroyed! I checked it through XXXX XXXX and it goes down more each week. They also have a debt from XXXX XXXX XXXX which I told them was clearly not mine but they will not remove it. Someone, XXXX XXXX or XXXX gave out my phone number to these collectors and I get threatening calls 24 hours day. Portfolio Recovery told me they are coming to my house to seize property and even take my car and they don't care if XXXX XXXX closed the acct or not that they have the right to collect by any means necessary. XXXX XXXX is allowing these agencies to use their website hurt my credit which use to be XXXX and now in the 600 's. Nothing I say to them is working and I stopped answering all calls now because they have so many different numbers.
Company Response: Closed with non-monetary relief
2019-05-06
Lake Ridge, VA
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-05-06
Flint, MI
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-05-06
Tibbs, MS
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: Back in 2018, I disputed this account directly with Portfolio Recovery Associates ( PRA ) and requested validation of this debt. Once I received validation and verified this was a legitimate account, I made payment arrangements with their office to pay this account in full by making monthly payments. On my credit report, this account is reported as " Dispute resolved ; customer disagrees ''. I never once relayed to PRA that I disagreed with the final outcome of the dispute. I obviously did not disagree because I made payment arrangements and continue to make monthly payments.
Company Response: Closed with explanation
2019-05-06
Winton, CA
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: MAN CALLED MY JOB, FROM XXXX, IDENTIFIED HIMSELF AS XXXX XXXX (? ). ASKED FOR ME BY NAME, I ADVISED YES, I ASKED FOR A PHONE NUMBER, HE STATED HE DONT HAVE A CALL BACK NUMBER. I TOLD HIM NOT TO CALL ME AGAIN, HE ASKED " ARE YOU NOT ALLOWED CALLS AT WORK? '' I TOLD HIM AGAIN TO NOT CALL ME, HE SAID IF I CANT IDENTIFY MYSELF HE CANT NOTATE " NO CALLS '' AND HER TERMED THE CALL. WOULD NOT GIVE COMPANY NAME, JUST SAID XXXX XXXX (? ) ON A RECORDED LINE.
FDCPA VIOLATION NO CALL WARNING SHOULD HAVE BEEN PLACED AS SOON AS I STATED NOT TO CALL.
DID NOT IDENTIFY THE COMPANY WOULD NOT PROVIDE A CALL BACK NUMBER
Company Response: Closed with non-monetary relief
2019-05-06
NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: I keep getting calls from Porfolio Recovery. on a debt I don't owe. I havent had a credit card in over 10 years
Company Response: Closed with non-monetary relief
2019-05-05
Katy, 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
2019-05-05
Hamburg, MN
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Submitted letter asking for validation only received a copy of a bill.
Company Response: Closed with explanation
2019-05-03
Fallbrook, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2019-05-03
Wallington, NJ
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: To whom it may concern, In response to my complaint # XXXX-XXXX submitted on XX/XX/XXXX via CFPB to PRA, please be advised i never received any letter or/and any correspondence on XX/XX/XXXX ( see attachment ) and clearly PRA knew i was living in New Jersey at the time. I wasn't given the right to dispute this debt and clearly it was done intentionally on PRA 's part.
Company Response: Closed with explanation
2019-05-03
KS
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: Thank you for your recent contact dated : XX/XX/2019.
I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit AgreemenXXXX ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Company Response: Closed with explanation
2019-05-03
CT
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: On XX/XX/2019 I mailed a dispute to the XXXX, XXXX and XXXX credit bureaus disputing two derogatory accounts Portfolio Recovery placed on my file, as per my rights under the FCRA. I was specific in my demands that to prove the existence of said accounts, there would have to be a signed contract, a listing of the chain of assignments establishing Portfolio as a Holder in Due Course of any account, and a sum certain, a complete financial history of the alleged accounts with fees and interest in order to prove accuracy. About thirty days after, all three bureaus reported back that Portfolio validated the debts, and that my disagreement was acknowledged but these accounts remain.
On XX/XX/2019 I sent a Method of Validation letter to the three bureaus again as per my rights under the FCRA, giving the allotted 15 days to answer and have received no answer more than 15 days on so, yesterday, the XXXX Of XXXX I mailed a letter to the three bureaus demanding both alleged Portfolio accounts be removed from my report. That was when I had decided to bring the Consumer Financial Protection Bureau into this to hold these companies to account and create a record preserving my rights.
Also, I never recall having received a 1692g FDCPA Validation letter from Portfolio on either account and only knew of one account from a letter that was forwarded when I moved. The other account I was completely unaware of until I checked my credit in XX/XX/XXXX for the first time in years. Portfolio was calling the house number where I live and when I investigated the number I learned who they are and what they do, and I learned their business practices. I read the consent order that the CFPB issued against them and knew they are not a company I want to do business with nor are they a company I want to have possession of my personal information. On XX/XX/XXXX of this year they called the house and I called them back and told them they are never to call this number again. The calls ceased until my recent dispute with the bureaus and they started calling several times a day. Also, after I disputed with the bureaus I received a direct mailing from Portfolio including what I assume they count as proof of the validity of these accounts. A bill from each, a copy of a bill of sale, all hearsay. No contract, no legitimate chain of assignment, no sum certain documentation, no affidavits of accuracy. On XX/XX/XXXX I mailed a letter to them directly by certified mail informing them that I am aware of their business practices and their detrimental history, pointed out violations of the FDCPA, and demanded they offer verifiable proof of the legitimacy of these alleged accounts and told them to stop sending derogatory information about me to the bureaus if they cant prove anything. I have received no answer not even the certified receipt back. As I said, I am writing this to establish a record and hope some action can be taken against this company that frequently crosses the line into Unconscionability.
Also, on XX/XX/XXXX, I received a follow up packet of documents from Portfolio in which they stated that they completed their investigation and enclose more documents that establish validity a false or misleading representation, as the documents are essentially the same as they already sent, a hearsay copy of bills from each alleged account and one vague Bill of Sale that is also hearsay. No sum certain as to the accounting of any of these accounts or contract.
Company Response: Closed with non-monetary relief
2019-05-03
MS
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Portfolio Recovery has been harassing me for months. I repeatedly tell them I am not familiar with a XXXX XXXX account with a balance of {$1600.00}. The employee number of person I spoke to last is XXXX. Calls come from many many numbers. Here are a few. XXXX, XXXX, XXXX. They all ways start off asking me personal information before identifying themselves. I tell them to quit harassing me, but yet they continue! I also told them I never had any kind of contract with Portfolio Recovery and will not talk to them. They tell me they bought account. I tell them I am sorry for them because again, I have no contract with them.
Company Response: Closed with non-monetary relief
2019-05-02
Hinkley, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: XXXX mixed my file with someone else. I do not know if it was id theft or someone elses actual credit file. But the skinny is that Portfolio Recovery Associates ( PRA ) did not have any of my information until XXXX provided my social, address and name to PRA.
I did an experiment. I called PRA and they said I have a collection from XXXX for me. I have 2 XXXX accts right now. I told them to hold while I get XXXX on the line to see if they have any OLD collections from me. PRA first said yes they would stay on line and when I called XXXX on conference call PRA refused to stay on and we were on recorded call ... they didn't want to hear the truth.
PRA disconnected, and I stayed on with XXXX and asked if they would be able to see ANY old collections. Rep. said she would be able to see any OLD collections ... I asked if she sees ANY old accounts for me on file ... she said NO. So now I have proof that PRA switched info in it's records to come after me for no reason.
PRA has reported 8 unwarranted collections on XXXX, XXXX and XXXX.
Just wanted to share.
Company Response: Closed with non-monetary relief
2019-05-02
Virginia Bch, VA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-05-02
Dayton, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: A customer service agent from the original creditor XXXX XXXX reached out to me by email and phone on Tuesday around XXXX. At first when I was talking to her, I was very hesitant about giving her my info without her verifying what info she actually had on this account. Mind you this conversation was recorded. When I finally asked the lady if I give her my social security or the last four will she verify that it is my social security and if not take this off my credit report. She did not agree to removing it off my credit report which I did not understand but I do know that it is fraud to not remove an account that can be proven not to be mines off of my account. However, I gave her the number and she did research and said no that is NOT the social security number that we have on file. would that not be enough to remove that from my credit file? She asked me to send my documents in to here ; however, I do not feel comfortable sending my documents to a company I am not affiliated with. I have decided that I will stand my ground. The case number I was supplied on this case is XXXX. If this was under my social security number I would have filed a fraud dispute ; however, since they have confirmed to me that it is not my social after all these years I beg you to quit letting them falsely keep this on my account and dampen my good credit history by coming after the wrong person. PLEASE.
Company Response: Closed with explanation
2019-05-02
Orlando, FL
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
2019-05-02
Federal Way, WA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Hello, I reached out to portfolio recovery associates, disputed this with the credit bureaus multiple times online and via mail, the credit bureaus continues to put remake stating I disagree if it meets FCRA guidelines but the creditor and credit bureau has failed to provide me with original signed documentations providing proof that this is my debt, all that Ive received is a list of transactions with my name on it.
Company Response: Closed with explanation
2019-05-02
Cordova, TN
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I received my credit file and saw Acct # XXXX on my credit report. I sent a letter and ask for this debt to be VALIDATED and this debt was NOT VALIDATED it was VERIFIED. This is not what I asked for. I would like for this account to be DELETED off my CREDIT FILE for all CREDIT BUREAU that it is reporting too.
Company Response: Closed with explanation