PORTFOLIO RECOVERY ASSOCIATES INC

2019-04-27

Leggett, NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-04-27

CO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Portfolio Recovery is reporting 3 negative trade lines on my credit bureau reports. I have paid one in full that was actually owed by me. The company than added {$.00} balance and is still showing it as an open account. This is the account ending in XXXX. The other two accounts ( XXXX and XXXX ) are also showing as active and open accounts with a balance. After speaking to Portfolio Recovery they informed me that both debts ( which are also past the Colorado Statute of Limitations ) have been sold to another junk debt buyer XXXX XXXX XXXX XXXX. Since they no longer own this debt, they should not be allowed to report it as an actively open tradeline with a balance. I had previously requested that these debts be appropriately verified and validated, but was only provided with an old credit card statement. They refused to provide me wit any signed documents or contracts showing me as being liable for these debts.
Company Response: Closed with explanation

Timely Response

2019-04-27

Philadelphia, PA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Account : XXXX Balance : XXXX USPS Certified Tracking # : XXXX Mail Date : XX/XX/2019 I've requested that Portfolio Recovery Associates, LLC validate the debts they claim I owe which includes proof that I am indeed the party they're are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I specifically requested for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which included the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Company Response: Closed with explanation

Timely Response

2019-04-27

KS

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Re : Account/Credit Card/Reference Number : XXXX Portfolio Recovery Associates in his private capacity Thank you for your recent contact dated : XX/XX/XXXX. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 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 Agreement ), 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

Timely Response

2019-04-27

Atlanta, GA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I have made several attempts to dispute 2 accounts and the company has not legally validated this debt. In response to my letters requesting verification they have responded with no details other than an alleged bill from the original creditor. The bill they provided me looks altered and fabricated. This company has reported that they did not acquire my alleged accounts until 2016. This complaint is for two separate accounts that were recently disputed together. This company has failed to validate this debt and therefor I would like both accounts to be removed off of my credit report.
Company Response: Closed with explanation

Timely Response

2019-04-26

Eden, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-04-26

Penn, 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

2019-04-26

Killeen, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-26

OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: On XX/XX/XXXX Portfolio Recovery opened a debt collection of {$2100.00} from the original creditor XXXX XXXX XXXX XXXX XXXX. After 2 disputes and saying my dispute was resolved they would not remove this debt that does not belong to me. I asked them to show me information or signature to show the debt was mine. They sent me a a letter stating that any more attempts to dispute this debt will go ignored for it's a valid debt. I shredded the paper cause I thought I was stuck with a debt until someone told me about the cfpb.
Company Response: Closed with explanation

Timely Response

2019-04-26

Tarzana, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Portfolio Recoveries never sent an initial notice giving me the opportunity to dispute this debut they are attempting to collect in which they allege belongs to me in the amount of {$2400.00} to XXXX XXXX. They continuously send letters demanding payment, and even stating they will send to legal department. Upon checking my credit report I found this inaccurate information and submitted a dispute. They mailed a forged letter allegedly from XXXX XXXX, in which the address listed on said letter is not my address. This company has managed to find my true and correct address with no problem when they send payment demands, and letters from their attorney, however the said validation letter states an address that isnt mine, but this is all information sent over from alleged original creditor.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-26

Columbia, SC

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I was contacted by Portfolio Recovery Associates, LLC. this company on XX/XX/2019 called to collect two debts that were supposedly owed by me.The first account was for {$290.00} and the second account was {$700.00} I asked the customer service representative what address did they have on file for the debts. The address he provided was inaccurate and i had never live there before. He explained that i could dispute the accounts due to no knowledge or evidence at the present time to state the proof. He then proceeded to state that he has to read out a disclaimer stating the process of the dispusting of the account ; the creditor can not sue the consumer for the so called debt. After a little over a month, On XX/XX/2019, I received in the mail a letter from the debt collector showing how only one of the accounts was valid and accurate. In the envelope there was copies of bills that were sent to the inaccurate address that was on file. That is not accurate proof to show that I owe a debt. Portfolio Recovery Associates is to provide a copy of signed with signature, contract or agreement. Failure to show accuracy of the event has resoluted me to file a complaint against the company. Also. there was no valid validation stating that the other account was mine, either.
Company Response: Closed with explanation

Timely Response

2019-04-26

Sylvania Township, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Keep sending multiple letters of amount owed to the collector but i dont have a contract signed with them
Company Response: Closed with explanation

Timely Response

2019-04-26

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: To Portfolio Recovery I am writing this letter in response to a notice sent to me from your organization on XX/XX/2019. This letter is not a refusal to pay, instead it is in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Please note that this letter is NOT a request for VERIFICATION that the account exists, instead, I am seeking VALDIATION that I have a legal obligation to pay you for the account referenced above under the Fair Debt Collection Practices Act. In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. An explanation of how the amount owed was calculated. Copies of any agreements signed obligating you to pay for the debt. Provide copies or other verification of any judgment ( if applicable ). Prove that federal and state statue of limitations applicable to the debt have not expired. Identify who the original creditor of the debt was. Provide verification that the collection agency is licensed to collect in my state. Provide their license numbers and registered agent. In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action.
Company Response: Closed with explanation

Timely Response

2019-04-26

Bremen, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have disputed a credit account Portfolio Recovery Services 3 times in the last 3 months with the Consumer FInancial Protection Bureau. Portfolio Recovery Services has lied each time and said they were unaware of the dispute of this account and each and every dispute complaint is on file with the Consumer Financail Protection Bureau records. I also have spoken to two seperate reps on a recorded line in XX/XX/XXXX explaining the account is not valid- This alone shows that Portfolio Recovery Services is no honest in its collection practices. Secondly, I request copies of debt validation. Portfolio Recovery sent a document supposedly they have from the previous creditor dated XX/XX/XXXX with the address of XXXX XXXX XXXX and the letter dated XX/XX/XXXX was mailed to another address which does not belong to me. Portfolio Recovery forged this letter of collection because there have filed this claim to this debt illegally. Please provide detail on where this address was found and why you use this address. Also the debt letter that Portfolio Provided from the previous creditor has the amount of XXXX but the the final bill, which I deny is my account has a balance of XXXX. Can Portfolio please provide details on the accounting records for this account. How did they calculate the balance owed? Please provide the answer and response with in 15 Business days as this is a formal request- I believe that Portfolio has violated my FCRA and FCDPA rights and are in violation of multiple laws
Company Response: Closed with explanation

Timely Response

2019-04-25

Berea, KY

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with non-monetary relief

Timely Response

2019-04-25

Hampton, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-25

West Harrison, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2019-04-25

Houston, TX

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2019-04-25

Mem, TN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-25

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
Complaint: A dispute letter was sent to the following three credit bureaus, XXXX, XXXX and XXXX for the company Portfolio Recovery Associates on XX/XX/XXXX. The results of the dispute did not fix the error on any of my credit reports. The account is still reported as opened in XX/XX/XXXX and remains open and the original creditor, XXXX XXXX, does not show on my credit report, nor reporting any action.
Company Response: Closed with explanation

Timely Response

2019-04-25

VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-25

IA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Complaint: On XX/XX/2018 a lien against a property was paid in full at closing ; the company holding the lien : Portfolio Recovery Associates, XXXX of XXXX, Va. has not RELEASED or filed a SATISFACTION. Lien is open and still appearing on the property sold. New Owner can not get a mortgage loan to fix the property because of the outstanding lien.
Company Response: Closed with explanation

Timely Response

2019-04-25

Simi Valley, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Portfolio Recovery Associates obtained a judgement against me back on XX/XX/15. At the time I didn't know my rights, as a consumer, and they won the judgement by default. I had never received proper debt validation from them and they were constantly calling me in the time leading up to the judgement about getting payment and threatening me with a lawsuit. I just read an article " CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts '' dated XX/XX/15 regarding Portfolio Recovery Associates and the legal action taken by the CFPB against them. I feel like I was in this category but it was quite a few years ago. Was there any class action suits filed against them for this? I was never advised about this until now so I'm looking into any new options I may have.
Company Response: Closed with explanation

Timely Response

2019-04-25

MN

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: This complaint is against Portfolio Recovery Associates LLC and XXXX XXXX XXXX for which there is already a Consent Order on file by your office. PRA obtained a judgment against XXXX in XXXX for a XXXX credit card account that was closed in XXXX. There was a subsequent appeal as the District Court did not allow XXXX to present evidence of his payments though a credit counseling service or present evidence that the statute of limitations had expired. The appellate court let the judgment stand. The ten-year old Judgment expired in XX/XX/XXXX and PRA did not collect due to en exemption. Now, 20 years after the junk debt was purchased by PRA they filed suit a second time and entered a new judgment for additional amounts owed. They have also threatened garnishment. Subsequent to the lost appeal in XXXX - XXXX was noticed in a class action suit ( i.e.XXXX ) that the Affidavits used by PRA ( XXXX XXXX ) were fake and similar to XXXX/XXXX affidavits used in the class action and the notary public was the same as in that case.
Company Response: Closed with explanation

Timely Response

2019-04-25

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: A debt collection agency, by the name of Portfolio Recovery Associates, LLC., has been trying to collect on a XXXX XXXXXXXX account from a credit card I had a couple of year 's ago. The account was closed after an investigation was made based on Identity Theft after an individual manipulated me and further embezzled funds on or around XX/XX/2017. I thought the fraudulent items were going to be reversed after I spoke with one of their representatives a month later since I noted on my bill that the additional transactions in question were still included as part of the total amount owed. I disputed the accuracy of the amount owed with the collection agency, as well as furnished them with the aforesaid information, and they are unwilling to contact XXXX XXXX regarding the dispute. I just contacted XXXX XXXX ( in order to furnish the debt collector with a letter attesting such indicents ) and they mentioned to me that they have no information showing that an investigation was made ( which seems suspect to me ).
Company Response: Closed with explanation

Timely Response