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 67
2019-03-18
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
2019-03-17
N L R, AR
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
2019-03-17
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
2019-03-17
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
2019-03-17
TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: To Whom It May Concern : XX/XX/XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding two collection accounts being reported by XXXX XXXX XXXX XXXX. The two accounts are regarding a XXXX XXXX and a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX XXXX to validate these debts by providing a contract that bears my signature or any documentation that they can provide to prove these were in fact my accounts. Letters were mailed directly to XXXX XXXX XXXX XXXX on XX/XX/XXXX also by certified mail.
Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XX/XX/XXXX.
In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX.
I have attached a copy of the two certified letters that were mailed to Portfolio Recovery Associates regarding the XXXX XXXX and XXXX XXXX accounts as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened these accounts and it has had a huge adverse effect on my credit score. I have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX XXXX as well as the original creditor.
Please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc.
Thank you, XXXX XXXX
Company Response: Closed with explanation
2019-03-16
Harsens Is, MI
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX a letter was sent to Portfolio Recovery asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons the last week on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day.
In the Summons, COUNT I, 10. Statement : " That Defendant 's payments and/or failure to successfully question the state of the account within a reasonable amount of time constitutes an admission of correctness '' is a Violation of Fair Debt Collection Practices ACT. The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.
Exhibits : **Not Identified Specifically as Exhibits** ( 1 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX, does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing.
( 2 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing.
( 3 ) The Affidavit attached appears to be signed by the Custodian of Records, for Portfolio Recovery Associates LLC and notarized by another employee of the company on XX/XX/XXXX, is misleading. The notarial act [ " Subscribed and sworn to before me on XX/XX/XXXX of XXXX '' ] is missing several items of TRADITIONAL information, which is " required by law '' per the Handbook for Virginia Notaries Public. With this missing information the signature of the Custodian of Records and date on The Affidavit attached, is not verifiable evidence.
By filing this XXXX, XXXX XXXX XXXX, XXXX. has violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff Portfolio Recovery has.
Company Response: Closed with explanation
2019-03-16
Grand View, ID
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: PRA is also a financial institution and has furnished information to all the major credit reporting agencies, including XXXX, which have in part adversely affected this consumers ability to apply for credit successfully, WITHOUT NOTIFYING THIS CONSUMER.
Company Response: Closed with explanation
2019-03-16
Bertram, IA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-03-16
NH
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Portfolio Recovery claiming to try to collect a debt. They have been notified not to call my mobile number and continue to do so, repeatedly, at all hours of the day and every day of the week.
Company Response: Closed with non-monetary relief
2019-03-16
Ft Lauderdale, FL
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: This collection agency continues to harass me with calls and notices and has not complied to my request to stop the excessive calling, provide name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with of the alleged debt.
Company Response: Closed with explanation
2019-03-16
Brentwood, TN
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 Associates, which is the name of the company who is repeatedly calling me, continues to harass me almost daily about a debt that has been written off more than 7 years ago. I asked for them to stop calling me and they refuse. I received a call from them today waking me up out of my bed at XXXX from XXXX , TN from this number : ( XXXX ) XXXX, Thursday from XXXX XXXX , MO , at XXXX, from this number : ( XXXX ) XXXX, Wednesday from XXXX KY , at XXXX, from this number : ( XXXX ) XXXX I need it to stop!!
Company Response: Closed with non-monetary relief
2019-03-16
Grand View, ID
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: This Debt Buyer, acting as a Debt Collector, continues to ignore the CFPB 's Consent Order 2015-CFPB-002 ; 1. PRA has not shown, nor do they have access to, account level documentation and continue collections knowing their data may be inaccurate/unreliable.
2. A letter provided by PRA, and likely provided to furnish certified information to the credit reporting agencies, which means to imply and display 's similar original creditors information ( XXXX XXXX XXXX XXXX ) and letterhead and other official proprietary markings falsely indicating that the original creditor is a participant in such collections-when in fact they are not.
3. I spent 3 years fighting such manufactured evidence in a local court on 2010 and here they are doing it again. I did sue and collect for FDCPA violations from their collector in the end. Can not say wh, in which case the affidavit then was robo signed-corroborating my concerns about their fake XXXX letter.
4. PRA " parked '' a collection account with all 3 CRA 's indicating I have an open account with them when in fact they know i do not have such. This clearly is an attempt to pressure me, a consumer, into giving them monies to improve my credit score. I am in fact harmed and deterred from applying successfully for credit because of their misleading/incomplete/disputed-particularly the amount, entry that ties my hands as a consumer.
5. PRA has not and will never have access to certified or other authentic copy of credit card bills amounting to their totals nor any such statements or contractorial signatures or terms of agreement.
6. PRA continues to defy the order above that, in connection with the collection of debt, Respondent, Respondent 's officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation v.rith any of them, who receive actual notice of this Consent Order, whether acting directly or indirectly, are permanently restrained and prohibited from making any material misrepresentation or omission or assisting others in making any material misrepresentation or omission, expressly or by implication, including but not limited to misrepresentations : ie. using a fake XXXX Letter.
Company Response: Closed with explanation
2019-03-16
Braswell, GA
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: Portfolio Recovery Associates have not properly verified my account after several attempts to dispute their right to legally collect this debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted. Portfolio Recovery Associates only provided a letter from XXXXXXXX XXXX stating the account was sold to Portfolio Recovery Associates and to contact Portfolio Recovery Associates if I have any concerns.
Company Response: Closed with explanation
2019-03-16
St Heights, MI
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-15
Euclid, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: Portfolio Recovery Associates ( PRA ) has reported a debt allegedly owed to them for several years to credit bureaus. They have also attempted to collect this debt by means of phone calls and letters.
PRA states on their letters that account information and resolution can be found and accomplished on their website, XXXX. Upon logging in to the website, I discovered that there are no accounts listed as open. A message appears stating " This account has been settled in full, '' with no other details. There is a navigation option at the top of the page that says " Account ( s ), '' indicating that any open accounts should show up when that link is clicked. Upon clicking the link, the same message appears saying only " This account has been settled in full. '' It appears that there is no record of any open account on PRA 's website.
Based upon the fact that the company seemingly has no record of an open account, I disputed the reporting of this account to the credit bureaus. I also disputed the account with PRA directly.
PRA has not responded to my inquiry and has re-affirmed ( re-reported ) the account to the credit bureaus, noting that it is disputed but that it has been confirmed and meets FCRA requirements.
The act of reporting an account to the credit bureaus while having no record of it or the ability to resolve it is a false, misleading, and confusing action. No consumer would have the ability to resolve an account that does not show up in a company database yet is still being reported to credit bureaus.
Company Response: Closed with explanation
2019-03-15
Saint Paul, MN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Portfolio Recovery sent my collection to XXXX XXXX XXXX. From there they contacted me and I came to a settlement of my account there for XXXX less than the original amount. After settling the collection was removed off of my credit report. Just three days ago it popped back on my credit report saying I owed that XXXX difference. Today it also reported that im late on that XXXX also. I called them for the last three days between the two companies and no one was cooperating and did not assist me with the reasoning behind this. I asked the Law Firm and they say they dont report to the credit bureaus and i have to contact Portfolio Recovery. When I call Porfolio Recovery they only say that XXXX XXXX XXXX was the only ones who can talk to me about it. Many times Portfolio Recovery hungup on me. I got it recorded two times of one representative hanging up on me and one supervisor hanging up on me.
Company Response: Closed with explanation
2019-03-15
PA
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Complaint: Portfolio Recovery Associates, LLC called my spouses phone on XX/XX/2019 at XXXX am from phone number XXXX and discussed the details of my debt with him WITHOUT my consent. They disclosed the original creditor, total amount owed and their company information WITHOUT my consent!
Company Response: Closed with explanation
2019-03-15
MA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: I've reported that this company is using a false " opened date ''. They are not allowed to use the date that they purchased the delinquent account, as per federal law.
Company Response: Closed with explanation
2019-03-15
Katy, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-03-15
Jonesboro, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-03-15
Washington, DC
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with non-monetary relief
2019-03-15
Succasunna, NJ
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
2019-03-15
Las Vegas, NV
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
2019-03-15
Arsenal, PA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-03-15
Spring Hill, FL
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: i dont owe them money. I recently got this phone number and they keep calling my number at least 3x a day
Company Response: Closed with non-monetary relief