PORTFOLIO RECOVERY ASSOCIATES INC

2019-03-14

Dixmoor, IL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-03-14

Annapolis, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-03-14

Grandville, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-14

Phoenix, AZ

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 explanation

Timely Response

2019-03-14

Denver, CO

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-03-14

Fort Collins, CO

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2019-03-14

Atlanta, GA

Incorrect information on your report

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

Account information incorrect
Complaint: There were charges on the account that did not belong to me.
Company Response: Closed with explanation

Timely Response

2019-03-14

New Orleans, LA

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Complaint: Portfilio Recovery has continued to call my job several times a week after I explained I can not take personal calls at my job since I work the switchboard - they now have started Robo calling my employer the recording says it is an attempt to locate me. They have been told not to call here but the rob calls continue
Company Response: Closed with non-monetary relief

Timely Response

2019-03-14

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Im filing this complaint against Portfolio Recovery Associates, LLC, because I have been disputing 2 negative items on my credit file since 2018. Portfolio Recovery Associates, LLC, is reporting I owe them for 2 accounts in the amount of {$840.00} and {$1100.00}. Ive been disputing the account in the amount of {$840.00} since XX/XX/2018 and {$1100.00} since XX/XX/2018, directly with Portfolio Recovery Associates, LLC, in addition to all 3 credit bureaus. In these disputes Ive consistently requested validation of these debts, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have consistently requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. As of today, I still have not received lawful evidence that this debt belongs to me. In its place, Portfolio Recovery Associates, LLC, has consistently sent me bills and letters from what appears to be the original creditor XXXX XXXX. Which, again is not lawful evidence that this debt belongs to me, and violates FCRA & FDCPA. As per FTC opinion letter a printout of a bill or itemized document does not constitute verification. In addition, to them sending me bills and letters from XXXX XXXX theyve sent me letters stating the accounts were sold, assigned, and transferred to them from XXXX, XXXX. Whom provided them with an electronic file of its business records concerning the accounts. With that being said there should be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. Which, again they have failed to send me. These negative items on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery Associates, LLC for a debt I dont owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete these entries. These negative reportings are harming my credit file, and hurting me financially. As this has caused denial of credit, higher interest rates, higher insurance payments, all due to these items lowering my credit score. With this complaint Ive included some of my dispute letters and the letters Ive received from Portfolio Recovery Associates, LLC, along with what they consider validation of debt. Ive only included some of the most recent letters due to file size limitations.
Company Response: Closed with explanation

Timely Response

2019-03-13

Avondale, KY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2019-03-13

Archer, WY

Communication tactics

Debt collection: Auto debt

Called before 8am or after 9pm
Company Response: Closed with non-monetary relief

Timely Response

2019-03-13

NC

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 CONTACTED XXXX XXXX SEVERAL TIMES ABOUT THOSE FRAUD ACCOUNTS THAT DONT BELONG TO ME. I HAVE SENT IN SEVERAL POLICE REPORTS AND COURT RECORDS TO PROVE TO THEM. NOW THEY KEEP SELLING THE BAD DEBT TO OTHER COLLECTION COMPANIES. THE ACCOUNTS ARENT MINE. ATTACHED IS A COPY OF THE POLICE REPORT. NEXT IS IM FILING LEGAL ACTIONS AGAINST PORTFOLIO RECOVERY. PORTFOLIO RECOVERY HAS GOTTEN SEVERAL POLICE REPORTS FROM ME AND NOW THERE REPORTING IT AGAIN ON MY CREDIT FILE.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-13

N San Juan, CA

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
Complaint: On XX/XX/2019 I sent a certified letter to Portfolio Recovery Associates LLC requesting validation of a debt the claim I owe. The company responded by sending me two statements dated XX/XX/2019 saying they had investigated the matter and found that the debt was valid.they included a copy of a letter and copies of two months of billing statements from XXXX XXXX. I sent Portfolio Recovery Associates LLC a second certified letter with return receipt on XX/XX/2019. It was signed for by XXXX XXXX on XX/XX/2019. I then received another statement dated XX/XX/2019 that again stated the debt was valid, and enclosed another copy of the same copy of a letter from XXXX XXXX.The last thing I received was another two statements dated XX/XX/2019 saying again they consider the debt valid, will no longer investigate, will no longer reply to requests for validation, and consider this matter closed. In total the only evidence of this debt that Portfolio Recovery Associates LLC provided to me was the copies of two monthly bille and two copies of the same letter, this does not meet the requirements set by the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.
Company Response: Closed with explanation

Timely Response

2019-03-13

Burbank, CA

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-03-13

Erda, UT

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-03-12

Reno, TX

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-03-12

Wilmington, DE

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-03-12

Plymouth, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have an account sitting on my credit report that is damaging my credit rating and causing me severe hardships and the inability to move forward in my personal and business endeavors. The debt is listed as {$350.00} I have contacted " Portfolio Recoveries Associates, LLC '' as well as the three ( 3 ) major credit bureaus -on four ( 4 ) separate occasions in the past 6 months requesting that they " validate this debt is mine ''. They have continued to send me letters stating that is has been verified but they refuse to provide any legitimate proof ( signed applications, anything bearing my signature ). They continue to send me a screenshot or statement as proof of debt. The last letter that they sent me was on XX/XX/XXXX which indicated that they purchased this debt from another company on XX/XX/XXXX as an electronic file indicating that I owe this debt and that they do not have any further information prior to the date that they encountered this account. This is beyond devastating at this time and I am hoping that you can help me look into this unfair and illegal practice that is causing me such a hardship and barrier in my life. I have perfect credit and payment history ( other that this un-validated blemish sitting on my credit reports ). I look forward to your response and I am ready to submit all of the proof that I have compiled over the past several months of disputing this account. Thank you in advance
Company Response: Closed with explanation

Timely Response

2019-03-12

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-12

Greenwood, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-12

Mill Creek, IN

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: calls several times a day and refuses to stop calling.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-11

Billerica, MA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Portfolio recovery calls multiple times per day sometimes leaving messages sometimes not. I have asked them to stop calling or send me bills that show what they are collecting for. I believe this is not legitimate debt and they have shown nothing to substantiate there claims.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-11

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-03-11

Brentwood, TN

Incorrect information on your report

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

Account information incorrect
Complaint: Portfolio Recovery Agency ( PRA ) is violating my rights. I requested validation of the debt. PRA sent information validating the debt. I disputed the accuracy of the information several times. XX/XX/XXXX PRA submitted information to CFPB that my Date of Last Activity ( DOLA ) is XX/XX/XXXX. PRA sent documentation ( enclosure 1 ). The documentation does not establish the DOLA. The first page from PRA files of the original creditor ( OC ) ( XXXX XXXX ) states that your behind by six payments the due date XX/XX/XXXX minus six payments will place the DOLA XX/XX/XXXX. PRA date of this information was XX/XX/XXXX. ( enclosure 1 ) I made a request to XXXX XXXX. I requested the information transferred and sold to PRA in which included the entire history of payments. The last payment made to XXXX XXXX ( OC ) is XX/XX/XXXX. ( enclosures 2 ) I compared the documentation from PRA and OC. PRA omitted the payment history in which establishes the DOLA. The OC documentation included the DOLA. ( enclosure 1 & 2 ) PRA documentation only show XX/XX/XXXX and no payment history or the DOLA. The OC documentation shows correct payment history without any omissions. ( enclosure 2 ) PRA is reporting to Equifax false information. Equifax is reporting the date of first delinquency as XX/XX/XXXX. The date of first delinquency according the OC is XX/XX/XXXX. Equifax does not show the date of last payment ( enclosure 3 ).
Company Response: Closed with explanation

Timely Response

2019-03-11

Plymouth, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have 2 accounts listed on my credit from Portfolio Recovery Associates. I have disputed the account for XXXX XXXX twice. The last date that I submitted a dispute was on XX/XX/XXXX. And the second account is listed as XXXX XXXX was also disputed on XX/XX/XXXX. I sent a certified letter ( attached ) to them requesting the following : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 7. The batch number in which my account was purchased in. I received a response in the mail from them dated XX/XX/XXXX however, it didn't include the requested items above. I have attached the letter in which I received. According to the Fair Debt Collection Practices Act, a debt collection agency must stop collecting the debt until they provide validation of the debt. I received a call from the lawyers representing ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates on XX/XX/XXXX, since they didn't provide validation requested this is a violation. I have attached a screenshot of the missed call. There is 3 different amounts that are being shown under the XXXX XXXX account. On the letter ( attached ) that was sent to me in their correspondence shows that the account balance is {$1400.00}, on the other letter ( attached ) it states the alleged account balance at the time of sale was {$1400.00}, and on my credit report the account balance is shown as {$1400.00}. On the correspondence ( attached ) for regarding XXXX XXXX, the amount shows {$420.00}, however the amount listed on my credit is {$420.00}. These inconsistencies shows that this debt isn't valid.
Company Response: Closed with explanation

Timely Response