PORTFOLIO RECOVERY ASSOCIATES INC

2019-02-17

Gr, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-17

Cordova, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-17

Cocoa, FL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-02-17

Pacific Beach, CA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-02-16

Archer, ID

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-02-16

Palmer, AK

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-02-16

Grandville, MI

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

2019-02-15

PA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Portfolio Recover of XXXX, VA keeps calling my cell phone XXXX XXXX XXXX repeatedly and they should not be contacted my cell phone to collect a debt. They do not leave a message and call from various phone numbers with different area codes. I would like this practice to cease at the earliest.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-15

Lansing, IL

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

2019-02-15

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Violation of the collection practices act for a debt collector to Refuse or unable to validate debt to send a validation notice or fail to respond to your verification letter. Request documentation that verifies you owe the debt, such as a copy of the original contract., Ignoring my request for debt validation a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized statements or list of the alleged charges they claim I owe.
Company Response: Closed with explanation

Timely Response

2019-02-14

Escondido, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-14

Grandville, MI

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

2019-02-14

Lake Shore, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-14

Moreno Valley, CA

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-02-14

Fern Creek, KY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-14

Carver, MA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Good Evening ; I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Also, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. I'm not an expert on this, but I'm sure this is a violation either under FRCA or and FDCPA.
Company Response: Closed with explanation

Timely Response

2019-02-14

West Newfield, ME

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2019-02-14

Erwin, TN

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: 1. This company is calling me up to 13 times per day using a variety of different numbers from all over the country that come through on the Caller ID. If you send the call to voice mail, many times they will call immediately back. 2. This debt is being reported twice on my credit report. The original creditor is reporting it and Portfolio Recovery is also reporting the same debt. This makes me look like I owe more than what I do and that I have two, instead of one, accounts in default. This is unfairly further damaging my credit.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-13

Altamonte Spg, FL

Unexpected or other fees

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

Company Response: Closed with explanation

Timely Response

2019-02-13

Grimsley, TN

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: In XX/XX/2015 when contacted the first time by this company I did not know what they were trying to collect and to make all future contact in writing. Today they acknowledge the phone call taking place, claim the note is not on the account. Since that time in XX/XX/2015 they've made over 100 phone calls after being told to add me to their internal DNC list, sometimes 2 to 3 per day over the period of 3 years but have never sent information showing what the debt was they were trying to collect or proof of the debt at all. Most of these I simply hung up when I heard the automated dialer click on the phone numbers they were spoofing. Today they acknowledged the records of the prior phone calls but claim they never made note that I ever requested to be added to their DNC list even though I've never had a different conversation with their company ever and they are willfully violating the law.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-13

Arvada, CO

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-13

ME

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: They call my phone at least 5 times a day. I am aware of my debt and have asked them not to call me anymore as I've already told them I would call at the end of the month to arrange things. I've now asked them 3 times to not contact me and that I will. on or around XX/XX/19 XX/XX/19 and now XX/XX/19. It's obnoxious at this point ... they call when I'm at work and they continue to try to talk to me when I'm calling to tell them to stop. I'm fed up.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-13

Finksburg, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I had two negative debits in XX/XX/2016 while going though a divorce. I paid both with settlement offers. One debit for XXXX XXXX XXXX act # XXXX original amout owed {$3700.00} gave me a XXXX for the amount not paid in the settlement which was claimed on my taxes as income earned. I also had a XXXX XXXX debit act ending in # XXXX original amount owed {$2300.00} settled with a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now a company called Portfolio Recovery Assoc. LLC shows both as negative on my credit. I have reached out to them with proof of payments either with the XXXX and with the letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with the settlement offer, cleared check and letter from them stating that the debit was settled per agreement and closed. Portfolio Recovery responds that they will not remove these from my credit and they want to make payment arrangements with them. I would like these removed from my credit since I paid them in XX/XX/2016 in agreements with other companies. I can submit proof.
Company Response: Closed with explanation

Timely Response

2019-02-13

Del Rio, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: Portfolio recovery you keep sending letters stating no response you can not finish investigation But you state to the CRA 's that you validated the alleged account strange omission to guilt right. making false statements on credit reports, { fraud } in fact it's stated on your letter head. you also refuse any legal documents to come forward to support your claim the reason this is being report to the CFPB is for evidence that there has been response to you every time by return fax .there 's nothing for you but dispute
Company Response: Closed with explanation

Timely Response

2019-02-13

Lubbock, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response