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 76
2019-02-13
Phoenix, AZ
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: Collector called my cell after being told not communicate via mail only, calls to my cell number incur charges. Collector refused company name even after being made aware of FDCPA violation. Reluctantly, I provided my information and was given her company name. I advised collector at that time of violation for calling my cell phone as well as refusal to provide company name and that two collectors from same company calling me simultaneously on 2 seperate accounts. Also, company is aware of payments being made on account with legal proceedings. Collector responded with she can do whatever she wants and I need to pay. She was rude and holds no value to laws set to protect consumers.
Company Response: Closed with non-monetary relief
2019-02-13
FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: XXXX was unfair and deceptive in its credit card practices towards me. Sending me bills on marketing products I didnt buy and was deceptive in their collection practices.
Company Response: Closed with explanation
2019-02-13
Arsenal, PA
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
2019-02-13
Jupiter, 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
2019-02-13
Chicago, IL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: We receive daily calls on our second, message-only, land line from XXXX XXXX XXXX. They call from multiple numbers ( so blocking doesn't work ) and don't leave any message. XXXX their caller ID name informs us that they are a debt collector. ( We do not have any debts and our credit score is excellent. ) We consider these calls harassment and want them to stop.
Company Response: Closed with non-monetary relief
2019-02-12
Oak Grove, MO
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: I have attempted to dispute this loan with the original creditors, XXXX XXXX, beginning in XX/XX/XXXX, the debt collection agency, Portfolio Recovery, beginning in XX/XX/XXXX, and the car dealership, XXXX XXXX, beginning in XX/XX/XXXX. I have been informed that the original date of the loan application being signed was XX/XX/XXXX by an individual that is also listed on the loan. In XX/XX/XXXX, XXXX XXXX contacted my father, by phone, and left a voicemail stating there was a past due payment on the car loan. When I contacted XXXX XXXX, I was informed that my father 's information was not listed and they were not sure how he was contacted. When I asked for his information to be removed, the stated they had no knowledge of his name and phone number. Then, I began being contacted by XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX requesting a payment on the car loan, I stated I was not aware of the loan and that the loan was in the other parties name, which I was then informed I was listed as a co-signer and that a full payment had never been made on the loan. When asked how I could remove my name and contact information, I was informed the other party would have to surrender the vehicle, remove my name as the co-signer, or the vehicle would need to be repossessed. I assisted in the repossession of the vehicle as the other party was unwilling to surrender the vehicle or remove my name. The vehicle was repossessed by XXXX XXXX in XX/XX/XXXX. I have attempted to dispute the debt through XXXX beginning XX/XX/XXXX, but was informed XXXX XXXX is reporting the debt as accurate. I did not provide proof of ID or proof of income to the dealership and was not present at the signing and the creditors are stating there is no proof of the information on file. I have requested proof of the loan application, signed contract, and other paperwork from XXXX XXXX and Portfolio Recovery and neither company has provided me the requested information. On XX/XX/XXXX, I was informed, by a phone representative with Portfolio Recovery 's Dispute Center, that I need to submit a letter, in writing, stating that I was not at the signing and where I was on the day of the signing, but that it may not rectify the situation. When I contacted XXXX XXXX, by telephone on XX/XX/XXXX, the individual I spoke with provided a false name of an male employee that is no longer employed at the dealership and stated I was an enraged ex-girlfriend that made a XXXX decision and that the dealership had enough parameters in place to never lose an identify theft case. The call was then disconnected by the male employee. When I attempted to call back and request to speak with the male employee, I was informed by a female operator that nobody by that name was employed there and then my call was transferred, but the phone was not answered and never went to a voicemail box. When I attempted to callback again, the phone at the car dealership wasn't answered. When I called back a fourth time, I spoke with a different female operator that confirmed that the name I was given by the male employee was someone that had not been employed with the dealership for several years. I have not been able to get my issue resolved and I am unsure what to do at this point as I don't feel I've been provided adequate assistance.
Company Response: Closed with explanation
2019-02-12
Laurel, NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Company Response: Closed with explanation
2019-02-12
Manhattan, NY
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
2019-02-12
Granada Hills, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-02-12
Sherman, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-02-12
Sherman, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-02-12
Ocklawaha, FL
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-02-12
Land O Lakes, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-02-12
Birmingham, AL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-02-12
Camp Springs, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with non-monetary relief
2019-02-12
Charlotte, NC
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: I seen this company on my credit report Portfolio Recovery Assoc and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Company Response: Closed with explanation
2019-02-12
Alta, CA
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: Portfolio Recovery called this phone number this morning, a number they only have because my company used to be owned by them, asking for me under an old name. I asked if she was calling from PRA and she refused to answer me, kept asking if i was XXXX ( my old name from years ago ), I told them in the past not to call this line, when i told her this she continued to ask if i was XXXX, disregarded what i said- i repeated " you are NOT allowed to call this number ''. She found the number in the employee directory ( PRA has yet to remove our information from their own database even though they sold this company 18 months ago )
Company Response: Closed with non-monetary relief
2019-02-12
Sandy Hook, CT
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: These people continue to damage my credit that Im trying to rebuild and continue to call and make harassing threats
Company Response: Closed with explanation
2019-02-12
Dayton, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: There is a debt on my credit report that does not belong to me. I have tried relentlessly to get a copy of the original application to no avail. This company is refusing to remove it from my credit and it is prohibiting me from being approved for a home loan. It says it was opened XXXX of 2016 and I did not open this and have no knowledge about it at all.
Company Response: Closed with explanation
2019-02-11
Bessemer, AL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-02-11
Anderson, IN
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
2019-02-11
Virginia Bch, VA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-02-11
Minneapolis, MN
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened to sue you for very old debt
Company Response: Closed with non-monetary relief
2019-02-11
IN
Communication tactics
Debt collection: I do not know
Called before 8am or after 9pm
Complaint: XXXX - Porfolio Recovery.
It is now XXXX XXXX where I live and this number has called me 27 times in the past hour. This company calls constantly from numerous phone numbers and demands my birth date and ssn before they'll give me even their company name. I get the company name by calling the number. I have sent several cease and desist letters through certified mail, but they refuse to stop.
Company Response: Closed with non-monetary relief
2019-02-11
Hon, HI
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I am an ID Theft Victim and reported my consumer statement on XX/XX/XXXX to advise the credit bureaus of my status and findings.
The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt.
Here is the debt collector information reporting on my credit that I am looking to dispute : Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
Company Response: Closed with non-monetary relief