PORTFOLIO RECOVERY ASSOCIATES INC

2019-04-16

Soulsbyville, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-04-16

Roseville, MI

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-04-16

Skyland, AL

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-04-16

Monroe, LA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-04-16

Fountainville, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Portfolio recovery continues to report this debt to all the credit reporting agencys this debt was settled in XX/XX/2017 please see attached documents from the courthouse. When theyre notified they say that they have left the credit reporting agencies no. This needs to be investigated immediately as it is negatively affecting my credit for two years unlawfully.
Company Response: Closed with explanation

Timely Response

2019-04-16

Cheverly, MD

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: For the past year or so a debt collection agency has been reporting an alleged collection account on my credit report. I repeatedly asked them for documentation of this alleged account and they have yet to provide me with any documentation. I also have repeatedly asked them to stop calling me and they also refuse to do that. My last communication to them a few weeks ago I again asked them for documentation of this alleged account and the respone that I received on XX/XX/2019 stated " We have already responded to a previous dispute substantially the same as your present dispute and because my dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute ''. They have also stated if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved we will consider your inquiry answered. FRCAl laws state that a company must provide me with documentation when requested of any alleged debt. It also states that to collect on that debt they must provide with a written agreement made with their company that includes my signature agreeing to pay this alleged debt. This company is trying to collect on an alleged debt they claim is owed to another company and refusing to provide me documentation of the alleged debt to that company or and a agreement that I made with their company to pay this alleged debt.
Company Response: Closed with explanation

Timely Response

2019-04-15

Stoughton, MA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-04-15

Ivalee, AL

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2019-04-15

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Portfolio recovery Solutions Continues to report INACCURATE Information to XXXX XXXX and XXXX, which is a huge VIOLATION. Portfolio Recovery/XXXX account # XXXX Please remove account due to violations 1. Can not have a past due this is a collection account 2. Can not be late 120 days on a collection account 3. Date of last activity is inaccurate XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 4. Can not have a past due this is a collection account 5. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 6. Can not have a past due this is a collection account 7. Can not be late 120 days on a collection account 8. Reporting Date of Last Activity inaccurately. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove immediately for violation. Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 9. Can not have a past due this is a collection account 10. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 11. Can not have a past due this is a collection account 12. Can not be late 120 days on a collection account
Company Response: Closed with explanation

Timely Response

2019-04-15

Memphis, TN

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Complaint: I received a call at my job after I have already set up payment arrangements with them in the past. I have notified them that they are to only contact me at my cell phone. They have still contacted me. They are practicing unlawful methods of obtaining information and the government should be ashamed of themselves for letting companies like this get away with this.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-15

Shalimar, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Portfolio recovery reported a XXXX XXXX account to my credit. I disputed they kept reporting. Informed portfolio did not live at the address year debt was opened. They will not validate debt by mail and stated they do not have a signature of who opened the debt. Then accused my parents of opening this debt and committing a crime. They did not live at that address at that time either. Ive disputed this on my credit report too. I informed portfolio I know my rights under fair credit reporting act and again asked them to validate the debt in writing and send a copy of the signature for whomever opened the account. They wont do this and have no signature on file. They continued to say then my parents committed this crime. Again told them they didnt live at the address in that time either. Again they refused to work with me and validate the debt. They said they will just keep reporting it to my credit report as they can do that as much as they want.
Company Response: Closed with explanation

Timely Response

2019-04-15

Plymouth, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I am trying to get the original signed documents from the original creditor for validation that the debt belongs to me as I have no knowledge of the account portfolio recovery says that they purchased.
Company Response: Closed with explanation

Timely Response

2019-04-14

Allingtown, CT

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-04-14

Allingtown, CT

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-04-14

Houston, TX

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-04-14

Warrenton, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Portfolio recovery agency purchased two of my debits owed from a credit card I defaulted on. Portfolio recovery agency filed to take me to court to sue me but they offered me a settlement and I accepted and paid it before the court date. I also made an arrangement and paid the second account they had of mine as well. In XXXX the two accounts were being reported on my credit report with a balance so I disputed it stating that the balance was wrong and that I paid the full settlement we agreed upon and asked it to be removed from credit report. Portfolio recovery agency responded back to the dispute and put it as a new negative account on my credit report and listed the amount owed as the full amount and dropped my credit score 50 points. I have the proof it was paid as we agreed but they wont remove it and are listing it as new again for the full amount.
Company Response: Closed with explanation

Timely Response

2019-04-14

Allingtown, CT

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-04-14

Mesquite, TX

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-04-14

San Diego, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I had bankruptcy # XXXX on XX/XX/2009 case was closed, Portfolio recovery trying to the discharged debt to collect from me. calling to my business number every day up to 3 times and hang up each times with different numbers.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-14

East Detroit, MI

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

2019-04-14

MI

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: i get calls from different numbers from them. Portfolio Recovery Association, i told them to call me during business hours and not on weekend and they call right back. And my name is not XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-04-13

Arco, CA

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Complaint: I do not know or recognize this debt, ive made attempts to resolve and identify it and those have all failed. I want this to stop and be removed from my report as the information is inaccurate and defamatory and I feel threatened by this company.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-13

FL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I changed my phone number 3 days ago. I OWE DEPT TO NO ONE. This is the 3rd time in 3 days these scammers have called me. Each time they have told me they would take my name off their list. This is the third time I have given them my name. This is the 3rd time they have asked me for my SS Number. This is nothing but a scam operating under " PORTFOLIORECOVERY '' They have contacted me from XXXX and XXXX. This is a dangerous situation for people who do not recognize a scam ; please shut them down. Thank you.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-13

Tarzana, CA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Portfolio Recovery has been recording my calls without my consent and they have been calling me after I asked them not to. I have attached all proof to this and I want the harassment to stop!
Company Response: Closed with explanation

Timely Response

2019-04-13

Riverdale, 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