PORTFOLIO RECOVERY ASSOCIATES INC

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

Timely Response

2019-03-21

Tampa, FL

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

Timely Response

2019-03-21

Phila, PA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-03-21

Las Vegas, NV

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

Timely Response

2019-03-20

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

Timely Response

2019-03-20

Tulsa, OK

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: 4 different collection companies sent notice demand same payment for account not mines and never done business with companies/ violates " Fair credit billing act '' and " FDCPA '' ... XXXX XXXX, PORTFOLIO RECOVERY, XXXX XXXX, XXXX XXXX XXXX ''
Company Response: Closed with non-monetary relief

Timely Response

2019-03-20

FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: This collection agency is on my credit report ruining my good name for debt that was never mine that i do not owe and they refuse to remove themselves.I have explained it wasnt my debt but they ignore me and keep reporting it after many attempts to have this removed. I did not have a credit card or anything. account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$800.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-03-20

Clarkesville, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to you. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail 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. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following in any future correspondence to me from you : 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. Please provide the name and address of the bonding agent for Portfolio Recovery Associates, LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is NOT completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information from you.
Company Response: Closed with explanation

Timely Response

2019-03-20

San Diego, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-03-20

TX

Threatened to contact someone or share information improperly

Debt collection: Auto debt

Contacted your employer
Complaint: XXXX from Portfolio Recovery Associates called my employer on XX/XX/2019 at XXXX XXXX about a debt from XXXX XXXX XXXX XXXX from 13 years ago. I just happened to answer the call this time and catch him.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-20

Superstition Mtn, AZ

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} PORTFOLIO RECOVERY SYSTEM - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND XXXX {$0.00} BALANCE XXXX/XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH PORTFOLIO RECOVERY SYSTEM {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES XXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Company Response: Closed with non-monetary relief

Timely Response

2019-03-20

MN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-19

Milwaukee, WI

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/19 PORTFOLIO RECOVERY Associates Reported a collection account on my XXXX report. Please keep in mind I disputed this collection ( {$270.00} ) With XXXX and it was deleted as of XX/XX/19. This collection account also shows up on my XXXX report which I am also disputing. They will not remove it from my XXXX report and I fear the same will happen with XXXX. This is not my debt and I would like it removed immediately.
Company Response: Closed with explanation

Timely Response

2019-03-19

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I have been going through this issue since 2018 with Portolio Recovery Service LLC. They keep putting this information back on my report and it is affecting me from moving forward in my life. I am unable to get certain jobs and all. I am tired. This is in regards to account # XXXX have sent them a ceast and desist letter on XX/XX/2018 and they followed up with the same collections debt. I have also sent a copy of police report stating fraud etc. I am tired. This is hurting me bad. I am ready to take it to the medi. I have also been breached
Company Response: Closed with explanation

Timely Response

2019-03-19

South Florida, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I disuputed this account as soon as It came to my attention after accessing my XXXX XXXX account. and i am still being harassed
Company Response: Closed with explanation

Timely Response

2019-03-19

South Florida, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This is my second attempt at requesting the company to validate the debt in question. It has been more than 30 days and the company has failed to respond to my requests.
Company Response: Closed with explanation

Timely Response

2019-03-19

Westminster, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-19

Galena, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES LLC was required to notify me no later than 30 days after furnishing the negativebinformation to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. PORTFOLIO RECOVERY ASSOCIATES LLC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES LLC is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PORTFOLIO RECOVERY ASSOCIATES LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Company Response: Closed with non-monetary relief

Timely Response

2019-03-19

Westminster, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-19

Sanders, KY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-03-18

Fertility, PA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-03-18

Hamburg, MN

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Portfolio recovery services calls me multiple times a day claiming I owe XXXX dollars for a credit card opened in my name. I was a victim of identity theft. They call sometimes 5 times within 10 minutes from different numbers. I already informed them of the identity theft but they dont listen to me. They called me Sunday night at XXXX and have called before XXXX and after XXXX multiple times.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-18

Atlanta, GA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted your employer
Company Response: Closed with explanation

Timely Response

2019-03-18

Paterson, NJ

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

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

Timely Response

2019-03-18

Seattle, WA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Complaint: A previously deleted account, Portfolio Recoveries collection, was re-reported on my credit report on XX/XX/2019. This has tied me up for a mortgage loan. It showed up last minute when we were supposed to close on the loan. I did not receive any previous notification in the mail that this account was going to re-report and did not receive a chance to request validation on this account. The law says that I need to receive a notification 30 days before it reports for the 1st time and I need to receive a notification within 5 days of re-reporting. I received neither notification. When I call Portfolio Recoveries, I explain the specific law that they are supposed to follow and none of the people on the phone know what I'm talking about. I was transferred to 5 different reps over 2 hours on the phone with this company. The first rep read me a statement about how this debt was past the state statute of limitations and I wasn't able to be sued unless I made a payment or admitted to the debt. I did not make a payment or admit the debt, but when I was transferred to the 2nd rep, they told me that I needed to make payment arrangements today or I could be sued over this debt. So one rep says I can't be sued, then the next rep threatens me with a lawsuit if I don't pay. What they did was try to trick me to make a payment so that I wouldn't be sued, but making a payment would actually allow them to sue me. This is extremely illegal and misleading. This debt was previously deleted from my credit report because it wasn't able to be validated. It's now reporting past the state and federal statute of limitations because the debt collection agency re-aged the debt.
Company Response: Closed with explanation

Timely Response