PORTFOLIO RECOVERY ASSOCIATES INC

2019-04-09

Berkeley, NJ

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Company Response: Closed with non-monetary relief

Timely Response

2019-04-09

Oxford, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Portfolio Recovery Called me after XXXX XXXX on my company phone. Stated verbal " do not call '' lasts 7 days. Told them to just subpoena me at court and they stated they will continue to call. I want to never be called by these sharks ever again.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-09

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-04-09

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I keep getting threatening calls from numerous phone numbers daily and letters for a debt I've tried to dispute many times over several years. This debt is now several years past the statue of limitations and this agency is falsely reporting this information tonally of the credit bureaus as a current debt.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-09

Las Vegas, NV

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Portfolio recovery llc XXXX XXXX XXXX, XXXX, VA XXXX. Disputed item on credit report. They sent me a letter dated XX/XX/2018 which stated account would be removed from my credit report. That did not happen. Instead they listed a different amount and re-aged it. I believe this is illegal.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-09

Grover Beach, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: On XX/XX/2019 I wrote to Portfolio Recovery Associates XXXX XXXX XXXX. XXXX XXXX, XXXX, VA XXXX to dispute an account they are trying to collect {$4500.00}. I asked the to provide " Validation '' of this account well within my rights for the Fair Debt Collection Practices Act. Portfolio Recovery Associates failed to provide me with proof this account was indeed mine. They only replied with an amount owed. On XX/XX/2019, I again attempted to have the company provide accurate verification and validation that the account was owed by myself. The company sent notice which was received on XX/XX/2019 that states they have answered my dispute previously and their company bought an electronic file with my personal information in it and are now attempting to collect on this account. This account is not mine, this company is now harassing me and it is also affecting my credit score which is causing harm to my personal finances. This is a violation of the fair credit reporting act, fair debt collection practices act and defamation of character.
Company Response: Closed with explanation

Timely Response

2019-04-09

Hamburg, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Collection letters sent to my grandparents house in Florida. Of a debt. I am not aware of nor does portfolio recovery association have a right to collect. I have no outstanding balances with XXXX XXXX. My old accounts was paid off off, closed by me & shows that according to my credit report. I have no bad standing accounts with XXXX XXXX. I have no idea where PRA found this account, this account is inaccurate. This company which i hold no contract with nor have received services from reported a credit account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation under the fair credit reporting act and verification of debt. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt.
Company Response: Closed with explanation

Timely Response

2019-04-09

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2019-04-08

Southern View, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-08

MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Portfolio Recovery Associates, llc has been repeatedly attempting to collect on a debt from XXXX XXXX for at least the past year with no proof. All they send for validation is a few card statements. They did not send me anything that shows I am legally required to pay them. Portfolio Recovery has a history of ripping off people, I don't want to be the next victim. I have requested an original contract in its original form. I get nothing but card statements with zero signatures. I do not know of this debt. I have received collection demands dated XX/XX/2019 and XX/XX/2019 with no contract whatsoever. They have been affecting my credit for the past year and I tried my best to get proof from them they do not have. Anyone can make up a billing statement. Show me the contract.
Company Response: Closed with explanation

Timely Response

2019-04-08

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: XX/XX/2015 Reported Limit {$1700.00} Reported as Identity Theft Filed complaint with Credit reporting to have it removed. They have not removed it. Contacted the credit card company and they can not verify the debt belongs to me. Portfolio Recovery is saying I owe them {$2300.00} took me to court and provided false documents and could not verify the debt was mine. I filed and appeal with the court and a counterclaim was placed against Portfolio Recovery. awaiting court date.
Company Response: Closed with explanation

Timely Response

2019-04-08

Seneca, SC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have sent two certified request to Portfolio Recovery for a claimed debt owed to XXXX XXXX, however, the only credit card I've had with XXXX XXXX was settled in full, as it appears on my credit report. I mailed a debt validation letter to them on XX/XX/XXXX which was notarized and certified. Portfolio has neglected to provide validation of this said debt and I would like it removed as a collection from the credit bureaus expeditiously. The only information that have been able to provide is the last four of my social and that this account was opened on XX/XX/XXXX. I demand this debt be removed it has caused my once clean credit report to plummet from " good '' scores to " fair '' scores.
Company Response: Closed with explanation

Timely Response

2019-04-08

Carver, MA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! XXXX
Company Response: Closed with explanation

Timely Response

2019-04-08

Branchburg, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-08

Billerica, MA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: PRA Receivables has my vehicle towed from a debt that was paid off in my bankruptcy. They never sent a letter to me but I woke up with my vehicle gone. When I reached out to them they had no answers for me and said give them money or my vehicle would be auctioned off. I worked hard for my vehicle an I feel this was just a legal theft for something that belonged to me.
Company Response: Closed with explanation

Timely Response

2019-04-08

TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: The collection agency sent me letters stating they purchased my original debt and are asking for payment. I responded to them stating I had filed bankruptcy and there was no way they acquired this debt as it was being paid back through my Chapter XXXX bankruptcy. They refuse to remove their accounts from my credit reports or acknowledge that the accounts were handled under my bankruptcy. The collection agency continues to damage my credit files even more.
Company Response: Closed with explanation

Timely Response

2019-04-08

Carver, MA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! GS
Company Response: Closed with explanation

Timely Response

2019-04-08

Carver, MA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! GS
Company Response: Closed with explanation

Timely Response

2019-04-07

Creve Coeur, MO

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2019-04-07

Benton, AR

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-04-07

Brooklyn, NY

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted you after you asked them to stop
Complaint: I received a number of misleading threatening phone calls over a span of several years from Portfolio Recovery Associates who refuse to identify themselves at odd hours of the day and night. They ask and disclose personal information to others and I've asked them to stop harassing me on a number of occasions. I've filed complaints that they are trying to collect a debt that someone illegally obtained years ago and way beyond the statue of limitations yet I her spoken to and yelled at disrespectfully by this company
Company Response: Closed with non-monetary relief

Timely Response

2019-04-07

Sebring, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I have these two collection accounts on my credit report from a company call portfolio recov assoc which i have never done business with. It appears those two accounts are original from two XXXX XXXX credit cards that i had more then seven ( 7 ) years ago and those accounts were charged off. Now, portfolio recov assoc started reporting both them on my credit on XX/XX/2018, one with the balance of {$2400.00} and the other {$1000.00}, they also appear on my credit as derogatory marks. The balances they are reporting are also incorrect.
Company Response: Closed with explanation

Timely Response

2019-04-06

Kawaihae, HI

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: XXXX ( Professional Recovery XXXX ) calls my cell phone approximately two dozen times, if not more, monthly. When I answer the call, they ask to speak to " XXXX XXXX ''. I ask " Why? '' I will not bore you with the rest of the verbal sparring, but I always tell the person calling that their company is harassing me and is in violation of Federal laws and regulations governing their actions and practices. I close with, " Do not call me again, '' and hang up. ( I also have informed them, repeatedly, that they are legally time-barred from contacting me and/or pursuing any sort of collection efforts. ) They had not tried to contact me in about two weeks until last week. I recall that there were 3-4 attempted calls during that week and there have been 4-5 this week, including today. In most recent cases, I have blocked their phone number after disconnecting their call. I can not document all their calls except that I believe I could access the dates and times of these incessant calls from my call history from my provider and provide a list of all their phone numbers that I have blocked, to date. IF, there is any unpaid debt, utility bill, etc., in my past, these are long gone. I monitor my credit regularly. I only have credit today because I was patient and waited to begin rebuilding my credit history after a lengthy period of time had passed to allow entries such as collection accounts, etc., " fall off '' my credit history. If you look at my credit reports today, all you will see is that credit card payments and installment loan payments are " paid as agreed '' and that, in trying to reestablished my credit worthiness - no collections, no tax liens, no judgements, of any kind. I have no idea what supposed debt they are illegally attempting to coerce me to settle and do not care what their tenuous position is. When they ask if " Is XXXX XXXX available? '' I ask. " From what company are you calling? '' and " Why do you want to speak to that person at this number? '' They do identify the company, but they will not give me any further information as to the reasons for their annoying, illegal harassment of me unless I confirm - by stating the information - in response to questions such as, " What are the last 4 digits of your Social Security number? '' Or, " What is your address and phone number? '' I lived in XXXX, TX, from late XXXX XXXX to mid-Jul XXXX and in XXXX XXXX, LA, from mid-Jul XXXX to early XXXX XXXX. I have lived in XXXX XXXX, HI ( on the Big Island ) from Father 's Day, XX/XX/XXXX XXXX until now. I have lived at my first address since mid-Nov XXXX until now, about XXXX years at the same residence. Please contact me if you have any questions about this narrative. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-04-06

Lk Buena Vis, FL

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: According to the fair debt collection practices act it is a violation for a debt collector to use deceptive tactics when attempting to collect on a debt. On XX/XX/XXXX at approximately XXXX XXXX. I received a phone call from XXXX XXXX Portfolio Recovery Associates , Inc., the representative stated they needed to discuss a personal matter with me and I said what is this personal matter concerning and they told me they could not tell me what the personal matter is concerning unless I provided information to them. I immediately told them not to call my phone anymore and any communication further can be sent through the mail. On Saturday XX/XX/XXXX at XXXX XXXX I call them back to find out in detail what this matter was concerning and provided whatever information they needed in order to find out what this matter was concerning and spoke with operator XXXX XXXX, during the midpoint of the conversation, I asked her how old is this account and she said the account was open XX/XX/XXXX and the last payment/pay day was XX/XX/XXXX. I responded saying I was not familiar with that, meaning the dates. I asked her if she could send me some information in the mail and then she quickly said, so this is not an account that you are familiar with correct and I said yes!!!! However after listening to the recorded conversation what I meant was, I was not familiar with the dates that she was referring to and not to the account. Then she initiated a dispute on my behalf which something I did not ask for. After listening to this recorded conversation, I realized the deception that she tried to use in order to update this information in order to put it on my credit report. She also said that it will be marked to your credit bureau as being reported, however, on XX/XX/XXXX I called and spoke with a supervisor informing them that I am recording the conversation and that this is an attempt to correct their records and any information provided shall be used for that purpose. When the supervisor pulled up the account she stated that she sees that this account is being actively disputed. I stated that this is the reason why I am calling to correct your records because it should not be actively disputed. Then she said so you would like for me to have that status updated to remove that the dispute. Then I brought to her attention, if she was aware that it is a violation of the Fair Debt Collection Practices Act to use deceptive tactics when attempting to collect on an alleged debt. Then she asked me what deceptive active have we used and because of the fact that she did not answer the question I asked was she aware of that YES or NO??? she stated that she personally does not use deceptive tactics but she is aware of the Fair Debt Collection Practices Act and then I asked is your company aware of the Fair Debt Collection Practices Act and she said yes we do train on it. I explained to the supervisor that the representative attempted to twist my words to mean something different from what I meant and I explained to her exactly what I meant. I explained to the supervisor that I had asked the representative how old was the debt and when she gave me the dates my response was that I was not familiar with that then she quickly said so you're not familiar with this account and because she was speaking so fast and I said yes again I later listen to the recorded conversation and explain that that's not what I meant, I meant that I was saying yes to being unfamiliar with the dates and not the account. I also explained to the supervisor that I am not disputing anything and if they wanted a reason for that question as it relates to a dispute I said my responses I have no comment!!! I also explain to the supervisor that if anything shows up on my credit report I'm going to file a lawsuit for violation of using deceptive tactics when attempting to collect on an alleged debt. I further stated for them to never call me again and also informing them that they are to cease and desist any further communication. Recordings of these can be provided upon request!!!!
Company Response: Closed with non-monetary relief

Timely Response

2019-04-05

Almonesson, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response