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 65
2019-03-25
IN
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I noticed Portfolio Recovery Associates on my credit report around XX/XX/XXXX/XX/XX/XXXX time frame. So I started disputing their alleged debt, they said I owned. I was looking for someone to answer questions about this alleged debt. I sent correspondence after correspondence, without them answering my actual questions I asked. Portfolio Recovery keeps responding with very canned responses. Ive tried to write directly to the CEO or anyone with firsthand knowledge. No one at Portfolio Recovery is able to answer my questions, on this alleged debt. It seems they hide behind a depart such as disputes department to answer question. Hints they really do not having anyone the tell me legally how they are staying on my credit report and still trying to collect on this alleged debt, they really do not have much info on. Portfolio also keeps asking me to provide more information. If I dont recall having this debt, why would I have more information?
Company Response: Closed with explanation
2019-03-25
Ventura, CA
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: old dept now greater than 15 years.
Company Response: Closed with non-monetary relief
2019-03-24
Plattekill, NY
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Portfolio recovery associates LLC, has been harassing me for over 5 years. They call my phone at least several times a day. They also harass my relatives. They improperly served me at an address I wasn't living at and got a judgment against me that I wasn't able to answer because I never received proper notice. They also keep " re-aging '' my accounts with inaccurate information to look as if the alleged debts happened recently and haven't given me any proof they own these alleged debts. I have had medical issues over the last few years and they have done nothing but harass me and my family for over 5 years.
Company Response: Closed with non-monetary relief
2019-03-24
Magnolia, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: Received a robo call from portfolio recovery after I had already come to an agreement to settle this debt. They said my file had been reviewed by an attorney and that I still owed the balance that I had settled. They had not updated their system and had not any of what they told me they would do after I submitted payment. When I spoke to a supervisor, they said it was my fault because I had not given them ANOTHER call after the payment cleared for whatever reason that they never gave me. This is still showing as active on my credit report and they did not know when that would be taken care of
Company Response: Closed with explanation
2019-03-23
St Heights, MI
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief
2019-03-23
Ft Lauderdale, FL
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: Portfolio Recovery collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/XXXX for an account number XXXX ( XXXX XXXX XXXX ) that does not belong to me. The letter is in XXXX and reference a date XX/XX/XXXX when the allege account went into collections.
Company Response: Closed with non-monetary relief
2019-03-23
Clearwater, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-03-23
AR
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Frequent and repeated calls, sometimes after XXXX XXXX and before XXXX XXXX, several times during weekend using fake numbers that appear local that when called back arent real numbers. Several times a day sometimes.
Company Response: Closed with non-monetary relief
2019-03-23
Ft Lauderdale, FL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: Portfolio Recovery collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/XXXX for an account number XXXX ( XXXX XXXX XXXX ) that does not belong to me. The letter is in XXXX and reference a dateXX/XX/XXXX when the allege account went into collections.
Company Response: Closed with non-monetary relief
2019-03-23
Batavia, OH
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-03-23
St Heights, MI
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-22
Lakewood, CA
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief
2019-03-22
PA
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: We started proceedings to rid ourselves of two timeshares in XX/XX/2017. XXXX XXXX was given {$10000.00} to get us out of the unwanted timeshares Their Phone # XXXX. XXXX XXXX. I spoke to XXXX and was told " do not pay the credit card for XXXX ''.
The credit card amount of is {$600.00} as you see I made a payment of {$120.00} before we started proceedings. XXXX gave a discount if you used the XXXX XXXX credit card. So we set up the credit card. After going to XXXX we were bombarded by their sales people to buy more weeks for 8 or more hours, which took up so much of vacation time that we decided to get out. When we were originally bought into XXXX they told us the resort timeshare " could be given to our children. ". No mention of my children would have to take them. We asked our 2 boys if they wanted the timeshares they both said absolutely not.. So we stopped payment of Card and we began getting calls from Portfolio Recovery XXXX. They have been calling weekly, even after telling them to call my Lawyer. Along with other unwanted calls and robo calls my phone is constantly ringing. I am to the point that I don't even answer the phone. I made a recording telling people to leave their name and phone number just so I don't answer the phone. All this trouble with Portfolio Recovery, my credit score was close to XXXX now it is down to around XXXX. Anyway the calls from Portfolio Recovery are really stressing me out. It is a shame but I have a small business and probably miss a lot of customers because I am tired of all the call. There are some if you answer the phone their is silence and no-one on the phone.. I should also tell you I fell off a later in XXXX was hospitalized twice and am still recovering. Which also makes it hard to answer the pone when they are unwanted calls.
Company Response: Closed with non-monetary relief
2019-03-22
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation
2019-03-22
So Effingham, NH
Communication tactics
Debt collection: Credit card debt
Used obscene, profane, or other abusive language
Company Response: Closed with non-monetary relief
2019-03-22
Irmo, SC
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-03-22
NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I've noticed on my credit report that there's some accounts on my credit profile that aren't mine and I have never given any consent for my credit to be used or I have never co-signed for anyone or anything. Below are the accounts that were opened fraudulently.
FRAUD ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$380.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 2 ) XXXX -AMOUNT {$0.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 3 ) PORTFOLIO RECOVERY -AMOUNT {$240.00} -DATE OPENED XX/XX/XXXX
Company Response: Closed with non-monetary relief
2019-03-22
Houston, TX
Communication tactics
Debt collection: I do not know
Called before 8am or after 9pm
Complaint: I don't know who Portfolio Recovery And Associates is, but I want them to stop calling me. They have called me late at night after XXXX XXXX. They have also recorded my phone calls without letting me know at the beginning of each call that the call was being recorded. I am requesting that they STOP CALLING and to communicate with my authorized representative only. Please also see the attached letter.
Company Response: Closed with non-monetary relief
2019-03-22
Bremen, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I noticed Portfolio Recovery was reporting a debt to my credit report. I reached out to the company 3 times via certified mail to verify the debt. No one has responded or contacted me with any details. I have tried to contacted them via phone and they do not have the right information. I have tried to dispute this information via the credit reporting company but they refuse to remove it.
Company Response: Closed with explanation
2019-03-21
Arsenal, 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
2019-03-21
Discovery Bay, CA
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 non-monetary relief
2019-03-21
Atmore, AL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-03-21
New Orleans, LA
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Complaint: In early XXXX around the XXXX or the XXXX my brother recieved a call from Portfolio Recovery asking if the could speak to me. He stated he was my brother and that he could give me a message. So since he knew my name, the repersentative preceeded to tell him I owed for 2 outstanding account within their office and gave him the amounts {$640.00} and {$440.00} and who the original creditor was XXXX XXXX XXXX and told him that he better tell me to call them. I called them when I got off from work and was basically told that since he knew me that they could tell him everything. She even told me that they can continually call him until I pay off the debt owed. They have since called him 2 more times. With him telling them to stop calling his phone. I have sent them letters asking them to correspond with me by mail only but the seem to ignore those requests.
Company Response: Closed with non-monetary relief
2019-03-21
Kirtland, NM
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: Portfolio Recovery - XXXX XXXX - is reporting on my credit report erroneously for one ... They are reporting multiple times and different info on my report.
This debt is over 7 years old and past the statute of limitations.
For 2 this was an erroneous small interest charge that was billed when I was XXXX. And per the SSCRA they can not charge fees or interest when out on orders.
THis was not valid in the first place and illegal ... and the debt is now so old it is past the statute of limitations.
I served our country and this is ridiculous. Still fighting this for all these years
Company Response: Closed with explanation
2019-03-21
Jonesville, FL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: Do not have exact dates but as company, 'records ' all calls, they should be able to verify ....
Approximately XXXX, XXXX of XXXX, was contacted by Portfolio Recovery Associates that I owe {$2400.00} dollars from a XXXX XXXX credit card that was opened in XXXX and closed in XXXX for default in payment.
I responded that I have never had a XXXX XXXX card and that someone must have opened an account as me ( fraud ) and XXXX was a long time ago to just be getting information about this.
Portfolio Recovery informed that I need to file a 'dispute ' and they would send documentation for me to fill out and sent back.
Filled out documentation, sent back and still received multiple phone calls ( asking for sensitive info ) - explained again and again, this account was not me and I filed a dispute.
XX/XX/XXXX received a packet with XXXX XXXX statements that with a cover letter that said : '' We have completed our INVESTIGATION of your dispute concerning the account. PRA, LLC has obtained and reviewed the attached documents related to this account, which establish its validity. '' The only thing the documents reveal is my validity and PRA, LLC as fraudulent and misleading. If there truly was an 'INVESTIGATION ', it would revel that the address used on the statements is an address I have never lived at, moreover in a city I have never lived at that is a 10 hour drive from me. I'm a teacher, the dates on the charges are for days that I was in a classroom 600 miles away. Authorized Electronic phone payments were made, did they 'investigate ' how those payments were made ( bank account, etc )? All PRA did was request statements from XXXX XXXX there was no 'investigation ' as they claimed that established the validity of me as the account holder.
In addition to being deceptive about their investigation, PRA, LLC is deceptive about their contact information. In the above mentioned letter, the letter is signed by the 'Disputes Department ' with a telephone number XXXX. When I called this number to dispute the information in the package, I was informed by the Operations XXXX XXXX, there was nothing he could do to help because this was not the Dispute Department- he could try to connect me but their hours are 9-5 ( it was after 5 ) but their number is XXXX.
In the same phone call I asked what would happen if I just ignored this- that I am done dealing with this, it has taken up way too much of my time because they are not doing what they are supposed to on their end and I am feeling harassed. The response was this was just the dispute department and they don't collect debts, but since they established, 'validity ', it will be sent back to the department that does collect and it would affect my credit if not collected.
On XX/XX/XXXX I contacted the 'true ' dispute department ( XXXX ) and was told that now I need to file an identify theft affidavit that is not available on their website, but they can mail. Again, why was I not told of this earlier as my initial response was that someone used my name to open the account.
Where am I now- frustrated and feeling like I am purposely being deceived and mislead by Portfolio Recovery Associated , LLC to make it as difficult as possible to resolve this with the underlying threat that if this is not resolved, my credit will be negatively impacted.
Company Response: Closed with non-monetary relief