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 70
2019-03-06
Taft, OH
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX, I sent a request for debt validation to Portfolio Recovery Associates. In the debt validation letter I requested they provide me with : 1. The name and address of the alleged creditor 2. Name and address of the alleged debtor 3. Alleged account number and amount of alleged debt 4. An agreement with the alleged original creditor granting Portfolio Recovery Associates the authority to collect on the alleged debt 5.An agreement that bears my signature stating that I agreed to pay on this alleged debt 6. Date of original charge off or delinquency 7. Verification that the alleged debt was assigned or sold to the collector 8. Complete accounting of the alleged debt 9. Commission for the debt collector if collection efforts were successful.
In response to my request Portfolio Recovery Associates only sent copies of 2 billing statements dated for XXXX of XXXX, and of XX/XX/XXXX. They have not provided complete accounting on the alleged debt, proof of a contract with my signature agreeing to pay on this debt nor have they provided proof that they are authorized by the original creditor to collect on this alleged debt. They have also not provided evidence of the date of original charge off or delinquency. The 2 billing statements they provided me are dated for XX/XX/XXXX, and XXXX of XXXX, yet they report on my credit reports the alleged account was opened on XX/XX/XXXX. This in and of it self shows that they can not provide complete and accurate accounting of this alleged debt and they are reporting a false account open date and essentially re-aging the alleged debt which in is a violation of the Fair Credit Reporting Act. I am requesting that the Consumer Financial Protection Bureau further investigate this debt collector for possible criminal activity.
Company Response: Closed with explanation
2019-03-06
Columbus, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I sent a debt validation letter to Portfolio Recovery to verify a debt on 2 XXXX XXXX Credit Card Accounts and a XXXX account that they claim I owe. Portfolio Recovery only sent me statements of the accounts, the statements they sent only show a balance owed it does not prove that the amount is correct from XXXX XXXX or XXXX. Portfolio Recovery did not send me all the information that I requested to prove that they own the debt and prove they are legally allowed to collect on these accounts. The letters that have a Portfolio Recovery letterhead all state at the bottom " This communication is from a debt collector but is not an attempt to collect a debt '' Portfolio Recovery is still reporting to all 3 credit bureaus on this debt that has not been Validated. No signatures are on any documents they have sent to me including original creditors documents they provided me with.
Company Response: Closed with explanation
2019-03-06
San Jose, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: PORTFOLIO RECOV ASSOC Account Type Debt Buyer I have not entered any contractual agreement with this company and have no obligation to pay Portfolio Recovery Association. The company is a debt buyer. I would like this to be removed from my credit report and do wish to receive threatening phone calls from this company on a daily basis. I believe I am a victim on harassment this should be illegal.
Company Response: Closed with non-monetary relief
2019-03-06
Philadelphia, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Company or Organization : XXXX XXXX , XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : Portfolio Recovery , INC Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter, and await your reply.
Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] And Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, VA. XXXX Account Number XXXX ] Total Amount : {$470.00} I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with Portfolio Recovery. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report.
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Portfolio Recovery and tell them the debt is the result of identity theft.
I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform Portfolio Recovery that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, Enclosures : Identity Theft Report Proof of identity : FTC Notice to Furnishers of Information [ PDF
Company Response: Closed with non-monetary relief
2019-03-06
Fort Worth, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-03-06
Cheverly, MD
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: A Debt Collector is trying to collect debt over a charge off account. They are saying they bought the debt. I wonder how came they bought a account with a XXXX dollar balance on it. They also failed to provide me any paper work/ contract to validate the debt to me. They only send me a old credit card bill. They are also reporting this {$500.00} to all credit bureaus. Which hurting my credit and I am financialy suffering.
Therefore, please help me to stop this inaccurate reporting to all credit bureaus and also help me to stop all short of collection activity about this account.
The Collecter name is, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Tel : XXXX ( XXXX ) XXXX
Company Response: Closed with explanation
2019-03-06
Ft Lauderdale, FL
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: Received repeated phone calls concerning a XXXX account. Requested name and address of original creditor, copy of signed contract, delegation of authority, and a complete accounting / statement of payments, interest, and fees associated with the collection account. This information has not been received from the debt collector, yet I am repeatedly harassed with voluminous phone calls
Company Response: Closed with non-monetary relief
2019-03-06
SC
Threatened to contact someone or share information improperly
Debt collection: I do not know
Talked to a third-party about your debt
Complaint: I owed the original debt to XXXX and fell behind due to the loss of my job. XXXX sold the debt ( approx. {$500.00} XXXX to Portfolio Recovery Assoc ( PRA ). PRA then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted PRA and XXXX to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.
Company Response: Closed with non-monetary relief
2019-03-06
Lawncrest, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-05
Trenton, NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: I have a written agreement with Portfolio Services if I made a payment on an account t I had with XXXX XXXX they would delete it from my credit profile. On XX/XX/2019, I paid a settlement in the amount {$690.00} through my bank to Portfolio recovery services. My bank mailed the payment to the original creditor ( XXXX XXXX ) who has held my payment for over a month. I have conference called my bank, portfolio, and XXXX XXXX everyday for the past month. I have spoken to the vice president ( XXXX XXXX ) regarding the account. After XXXX XXXX confirmed that they had my payment and informed me that Portfolio Recovery Services knew what actions had to be taken to receive payment and post on my account nothing has been done. I am continually calling this agency and they have not kept up with their end of the agreement.
Company Response: Closed with explanation
2019-03-05
Brooklyn, NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2019-03-05
Bellaire, TX
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: I reached out to this company several times, most recentlyXX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, asking for proof of the debt and debt amount. I have received a statement from the collection agency each time that I send a letter, but not the original contract or itemized statement of amount owed from the original creditor. I have also disputed with the credit bureaus asking them to validate the debt, and it has remained the same each of the three times that I have disputed the validity and accuracy of the debt.
Company Response: Closed with explanation
2019-03-05
San Jacinto, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I got a call 10 to 12 years ago from Protfolio Recovery Associate, LLC that I owed something about {$5200.00} including late fees I told them I dont have credit card from XXXX XXXX XXXX and i hadnt live riverside since 12 months ago after talking with manger and I will not file complaints if they remove It after that I didnt get call until few days ago I got bill that I owed {$9100.00} that I can make payments It seems PRA didnt remove It and they arent willing to do so I will file complaints now also I dont know if this account in my credit report please help to remove It.
Company Response: Closed with explanation
2019-03-05
Itasca, IL
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Portfolio Recovery Associates called my cell phone looking for my mother. She does not have the same phone number and they would not tell me why they were calling her. I asked how they got my phone number, and she repeated asking for my mother. This debt collector is calling other people other than the debtor in attempt to ruin a persons reputation in order to make them pay. Would not give any other information, and then hung up.
Company Response: Closed with non-monetary relief
2019-03-05
Augusta, GA
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: I was contacted on XXXX XX/XX/2019 by Portfolio Recovery Associates about a past debt that I have no knowledge of having. The representative mentioned that there was an attempt to deliver paperwork but paperwork delivery was at a different location that my physical home address. Upon requesting further clarification, the representative continued to say how I was refusing to pay the debt. I never refused to pay the debt, I would just like clarification on the debt. I will be delivering a " Cease and Desist Order '' to the aforementioned party.
Company Response: Closed with explanation
2019-03-04
Harsens Is, MI
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: Portfolio Recovery Associates has 5 accounts listed on my credit report that have not been verified. I wrote a letter on XX/XX/2019 to Portfolio Recovery Associates requesting them to provide me with validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws. They have continued to attempt to collect debt with failure to provide proper verification under the Fair Debt Collection Practices Act and filed a Judgement against me after they received a second letter from me written on XX/XX/2019 requesting this same verification. Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I would like the 5 accounts with Portfolio Recovery Associates to be removed from my XXXX, XXXX and XXXX report.
Company Response: Closed with explanation
2019-03-04
Marietta, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-03-04
Marietta, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-03-04
City Ranch, 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
Investigation took more than 30 days
Company Response: Closed with explanation
2019-03-04
PA
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Complaint: A company identitying themselves as " portfolio recovery associates '' has repeatedly contacted my mother asking her how to get in contact with me. She lives in another state and has a different last name, they have contacted her 23 times in one week and made threats of legal action against her. I made contact with this company at the number XXXX XXXX XXXX on the morning of XX/XX/19 and identified myself and requested they stop contacting family members and was told " we can call anyone we want ''.
Company Response: Closed with non-monetary relief
2019-03-04
Tarzana, CA
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: Portfolio Recovery uses a random number generator to disguise where they are calling from. They also pretend to have the wrong number and they are just checking. They continually harrass me by phone and they continually do inquiries in my credit with all three credit reporting agencies. They never tell me why they are calling. I have never done business with them or owe them anything. They need to stop.
They also shared my phone number with Spammers and now my phone won't stop ringing.
XX/XX/XXXX
As you can see, Portfolio Recovery has stepped up their harrassment ny callingme two or three times a day beginning in XXXX. Sometimes FOUR times a day. They need to stop calling me for something I do not owe.
Company Response: Closed with non-monetary relief
2019-03-04
FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: On XX/XX/2019 I mailed out a certified letter to Portfolio Recovery requesting proper verification and a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
They have failed to verify any of the information requested.
Company Response: Closed with explanation
2019-03-04
Camden, NJ
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-03-04
HI
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: I had a collection account with Portfolio Recovery for the original creditor being XXXX XXXX. I contacted Portfolio Recovery by phone on XX/XX/19 and asked them if I paid the collection would they delete the tradeline on my credit report. They said that they do that for all there collections. It even goes as far to state that on their website. So I paid the amount they requested and here it is over a month later and when I went to check my XXXX credit report and it is still there. It has not been deleted and all they did was update that it was paid. This is not what they stated they would do with their tactics to get my money. I was even told by the person I talked to, to make a recording of him saying they would delete it. I tried to dispute this with XXXX directly but they did not delete the tradeline.
Company Response: Closed with explanation
2019-03-04
WA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: Portfolio Recovery Associates are trying to collect on a debt that was paid in full in XX/XX/2017. ALL original documents and proof of debt paid are saved. They are calling me from multiple numbers from multiple states telling me to pay again several times a day. I have told them I paid and to stop calling. The person I spoke with said they didnt care and that they would harass me within the laws until I pay again. They have started sending me bills in the mail stating the debt is past limitations to collect so they will not report to credit bureaus or sue me - they just want more money from me on a debt I do not owe.
Company Response: Closed with non-monetary relief