PORTFOLIO RECOVERY ASSOCIATES INC

2019-02-21

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-20

Turners Sta, KY

Took or threatened to take negative or legal action

Debt collection: Other debt

Collected or attempted to collect exempt funds
Complaint: The company name is Portfolio Recovery Associates, LLC This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local XXXX department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone. When I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called Portfolio Recovery. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. After a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. On my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. Portfolio Recovery is also on my credit report with the same amount owing to them as well. Both XXXX and Portfolio Recovery have put late payment status and amount still due on my credit reports. Portfolio Recovery has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. On XX/XX/XXXX, I received another civil summons from Portfolio Recovery, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. I have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when Portfolio Recovery started automatic withdrawals on my account and when I had it stopped.
Company Response: Closed with explanation

Timely Response

2019-02-20

Berthoud, CO

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: I work in a XXXX XXXX XXXX and I am constantly getting calls after telling them to quit calling my work and me. I receive 2 calls on my cell phone and 2 calls at work in the morning and then 2 calls on my cell phone and 2 calls at work in the evening. That is a total of 8 calls from the same company in the same day and this has happened for the past week.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-20

Atl, GA

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted you after you asked them to stop
Company Response: Closed with non-monetary relief

Timely Response

2019-02-20

Daniels, MD

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-02-19

Pickens, SC

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I have opened a complaint against Portfolio Recovery associates for not validating a debt after I requested. Today I logged on to look at my credit report and it shows that I have made payments to the same supposed XXXX XXXX account. I have downloaded and printed 3 years worth of bank statements and do not show any payment history to XXXX nor Portfolio Recovery. The only reason that there would be false payments to the account is to illegally re age the account. These are two violations of Fair Debt Collection Practices Act on the same account.
Company Response: Closed with explanation

Timely Response

2019-02-19

Brentwood, NC

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: Portfolio Recovery Associates, LLC is reluctant in providing me the following information as requested under the FCRA and FDCPA. I request under the FCRA & FDCPA ( thru this CFPB Portal ONLY ) that this company and affiliates furnish me the following : 1. Proof that they own the debt and verification that I owe the debt. 2. Proof and details outlining the North Carolina Statue of Limitations on expired debt. 3. Documentation of the agreement between the original creditor and current owner authorizing for such a collection on the assumed debt, including documentation of the fees and cost.
Company Response: Closed with explanation

Timely Response

2019-02-19

Clarksville, MO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: This account was written off by the original creditor after getting my fraud report & police report information. Portfolio Recovery purchased to of the accounts that where on the reports this company was also provided the same information as well as a certified letter but only removed one of the accounts, And placed one one my credit. I have no contract or debt with either company, I have asked Portfolio Recovery for a Wet contract with them or their client XXXX XXXX to only be sent a copy of a billing statement with no information which is Not proper validation. Validation is a agreement signed between myself & a creditor. I contacted their client which advised me there is no contract someone opened this account online without authorization so they can't provide a Contract or signature. I request this removed from my credit in no more then 10 days of receiving this request again. This is not my account & printed statements are Not contracts or agreements. As stated by the fdcpa
Company Response: Closed with explanation

Timely Response

2019-02-19

Dix Hills, NY

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX has XXXX XXXX as an open account with a balance of XXXX. I was told by both XXXX and XXXX XXXX that this account would be removed by today, XX/XX/19
Company Response: Closed with explanation

Timely Response

2019-02-19

Olmos Park, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with non-monetary relief

Timely Response

2019-02-19

Glendale, 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

2019-02-19

Euclid, OH

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

2019-02-19

Slidell, LA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-02-19

Colts Neck, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-02-19

Altamonte Spg, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-02-19

Cheverly, MD

Problem with a credit reporting company's investigation into an existing problem

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: XXXX XXXX XXXX & Potfolio Recovery ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.
Company Response: Closed with explanation

Timely Response

2019-02-19

Salton City, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-19

Santa Ysabel, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Portfolio Recovery Associates ( PRA ) garnished my wages for a medical debt purchased from XXXX XXXX opened in XX/XX/XXXX. PRA was paid in full on/about XX/XX/XXXX, via case # XXXX reported as closed with XXXX XXXX Sheriff. PRA is claiming that I have a balance of {$710.00} and continue to report negative activity on my credit bureau and harass me with phone calls ( these have now stopped after a formal complaint to the company ). I have provided proof of payment via wage garnishment to credit bureaus to no avail - item continues to be reported as outstanding based on their inaccurate reporting. Not only has this been paid in full, the medical debt was incurred XX/XX/XXXX and statute of limitations for collection expired in XXXX. I would like PRA to close this account, stop all harassing collection attempts and correct it on my credit bureau.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-18

Arco, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: XXXX XXXX XXXX called me 81 times in one day on XX/XX/19.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-18

Lk Buena Vis, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-02-18

Pickens, SC

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I saw that Portfolio recovery associates was reporting a debt to my credit file.The account is listed as a XXXX XXXX account. On XX/XX/2017 I sent a certified letter with return receipt. I still have not received anything from them validate the debt.
Company Response: Closed with explanation

Timely Response

2019-02-18

Ft Myers, FL

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

Timely Response

2019-02-17

PA

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 of XXXX, VA are trying to collect a debt not owed with 1 of 3 accounts they have listed as my owing. The other two accounts are in dispute as of current. The account that is incorrect is Account Number : XXXX Account Balance : {$1400.00} Seller : XXXX XXXX XXXX Merchant : XXXX XXXX XXXX Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES , LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Open Date : XX/XX/XXXX ; This account should have been charged off and is not owed by me anymore since it is almost two decades old.The other two accounts are still in question and are referenced by the following : 1 ) Account Number : XXXX Account Balance : {$650.00} Seller : XXXX XXXX XXXX ( XXXX ), XXXX. Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX. Account Open Date : XX/XX/XXXX, and ; 2 ) Account Number : XXXX Account Balance : {$920.00} Seller : XXXX XXXX XXXX ( XXXX ), XXXX. Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX Account Open Date : XX/XX/XXXX XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2019-02-17

Wonder Lake, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. I sent a letter by certified mail on XX/XX/XXXX, requesting documentation bearing my signature as proof that I had any obligation to pay this party. I received a copy of a letter from the original creditor ( dated XX/XX/XXXX ), which I do not recall ever receiving prior to this. I sent a second letter by certified mail on XX/XX/XXXX, disputing any obligation and received a second letter from them requesting identifying information ( dated XX/XX/XXXX ). I complied with their request and was sent a 21-page update ( dated XX/XX/XXXX ) in which they again failed to address my inquiry ( see pages 1-3, 5 and 11 [ stating the account was charged off ] ). I researched and found that the collection agency is required to report that the debt was in dispute, but they did not. I also learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. I am filing a separate complaint for the manner in which my proposal for settlement was handled but wanted to make you and other consumers aware of their tactics that violate my rights under the FCRA.
Company Response: Closed with explanation

Timely Response

2019-02-17

Wonder Lake, IL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. After several cycles of correspondence, I learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. Attached is a copy of the settlement proposal sent by certified mail on XX/XX//18. I received an irrelevant response ( also attached ). According to the FDCPA, I am entitled to have my correspondence and attempts to address any debt issues reviewed and then receive a response. The response provided by Portfolio Recovery Associates is inappropriate, as it does not acknowledge my settlement proposal and attempts to collect money that I do not owe to them. I question that my letter was even reviewed.
Company Response: Closed with explanation

Timely Response