PORTFOLIO RECOVERY ASSOCIATES INC

2019-02-04

CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: This debt collector contacted me at my job, I asked them not to call me, they went through the entire company directory however my work phone number is for work-related business matters only and I can not accept personal calls. The company is portfolio recovery and they keep harassing me calling from various numbers.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-04

Laredo, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-02-04

Bakersfield, CA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Closed with non-monetary relief

Timely Response

2019-02-04

Laredo, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-02-04

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-04

Charlotte, NC

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I seen this company on my credit report Portfolio Recov 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 you.
Company Response: Closed with explanation

Timely Response

2019-02-04

Spring Hill, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Portfolio Recovery XXXX XXXX XX/XX/2019 received call asking for deceased Husband, when told he passed away " XXXX XXXX '' insisted to speak to him, asking when did he pass away told her XX/XX/XXXX .She insisted to know what year? .I told her I already sent you death certificate and all that information, She continued to ask in loud tones WHAT YEAR, What Year, Being Upset and woken up, I said this year by mistake, She then Said loudly and mad its XX/XX/2019 it cant be this Year. I then told her I sent you all this information including the death certificate.She hung up, I composed myself, best as I could being very upset to be woken up like this. Im XXXX years old. Then I called back, they would not give me that person to speak to.The person insisted on getting more personal information that was not his business, insisted they said we don't have access to that information. I told him the call was being recorded and told them if they call again I was turning the recording over to the lawyer in town. They kept telling me to verify everything I said, including getting my address and phone # Finally I said No I sent you certified Mail for everything needed for this address. Portfolio Recovery has also sent mail to all my relatives in other states, address to me,
Company Response: Closed with non-monetary relief

Timely Response

2019-02-04

Bremen, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents Portfolio Recovery purchased on this account and have not received them. Portfolio keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed
Company Response: Closed with explanation

Timely Response

2019-02-04

Brentwood, 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

Investigation took more than 30 days
Complaint: On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, XXXX has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. In addition, XXXX you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to PRA, LLC. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Company Response: Closed with explanation

Timely Response

2019-02-03

MI

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Complaint: a. I have sent you request dated XX/XX/2018, XX/XX/2018, and XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from defendant in consideration of your delivery to defendant of the original instrument of indebtedness in its original form. b. I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. c. I have sent you my request dated XX/XX/2018 and XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from defendant in consideration of your delivery to defendant of the original instrument of indebtedness in its original form. d. I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. e. It is apparent that you are acting on the presumption that some relationship that you may have with XXXX XXXX XXXX, is in some way related to defendant. Defendant is not a party to this implied relationship you have with XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, Defendant do not understand how to respond to you inasmuch as defendant is unaware of any contractual relationship between us.
Company Response: Closed with explanation

Timely Response

2019-02-03

Bakersfield, CA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Closed with non-monetary relief

Timely Response

2019-02-03

Houston, TX

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

2019-02-03

Queens, NY

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: This is a debt for a Visa Card from the XXXX XXXX with a open balance of {$420.00} dollars. I contacted them in the effort to settle the account and told them that at the moment I am lay off from my work but I wanted to settle the balance. I told them that at the moment since I am unemployed I can only afford to pay {$200.00} and settle the account. They told me no that the minimum eas {$330.00} dollars.
Company Response: Closed with explanation

Timely Response

2019-02-03

Mabank, TX

Incorrect information on your report

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

Account information incorrect
Complaint: Hi, Account shows opened on XX/XX/XXXX for {$470.00}. Not my account at all. I never opened this account and it is messing up my credit score.
Company Response: Closed with explanation

Timely Response

2019-02-02

PA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I am writing regarding a collection account dated XX/XX/XXXX ( XXXX XXXX account ) being handled by Portfolio recovery. I have disputed this account since approximately XX/XX/XXXX without any documentation from Portfolio Recovery concerning validation of this debt. After many attempts disputing with all 3 credit reporting agencies I decided to dispute this debt once again. My most recent dispute letter dated XX/XX/XXXX addressed to XXXX. I did receive a reply today XX/XX/XXXX received by email message XXXX XXXX ( credit monitoring service ) that this debt is being reported as " past due '' and no longer a collection account. This maliciousness has to stop by this company. In the past they have reaged this account on many occasions and have caused headaches and damage to my credit. During this time I was also a victim of identity theft. As a result I have received free service through the experian credit monitoring service for several years. According to FCRA, all debts have to validated in order to collect a debt. To date Portfolio has not complied with the law and should be held accountable for deceiving actions. I would appreciate if CFPB could help me resolve this problem which I have tried to do myself with no success.
Company Response: Closed with explanation

Timely Response

2019-02-02

Liverpool, TX

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: Portfolio Recovery did not stop calling me. Portfolio Recovery states they bought a debt from a creditor. I have no signed agreement contract with Portfolio Recovery. therefore I demand they remove the false information in my credit report by XX/XX/19 or I will seek legal action.
Company Response: Closed with explanation

Timely Response

2019-02-02

Granada Hills, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-02-02

Las Vegas, NV

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-02-02

Fort Macarthur, CA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

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

Timely Response

2019-02-02

New Orleans, LA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: this collectors name is XXXX XXXX XXXX. XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in department XXXX XXXX XXXX , XXXX XXXX ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-02

TX

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 sent a validation letter to the company and they responded with photo copies of billing statements. This is not sufficient proof of debt. They must have original contract with original signature in order to validate this debt. They have failed to do so and have not removed the collection from my credit reports.
Company Response: Closed with explanation

Timely Response

2019-02-02

Bedford, TX

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I have asked this company multiple times in letters going back from last year to verify that these accounts are mine and to send me proof that i owe them the money they are asking. they have not been able to do so.
Company Response: Closed with explanation

Timely Response

2019-02-01

Tucson, AZ

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: XXXX XXXX XXXX XXXX calls me at least 5 days a week. Got called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-01

Lk Buena Vis, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: Portfolio Recovery is trying to Collect {$430.00} I Dispute before the 30 days but this collection agency is in violation of state and federal government regulations. The status of limitations has expired
Company Response: Closed with explanation

Timely Response

2019-02-01

Newark, NJ

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I had a collections account with Portfolio Recovery of {$1200.00}. I called them in XX/XX/XXXX and we came up with a settlement offer of {$850.00}. They said if I paid the {$850.00} by XX/XX/XXXX through their online portal, my collections with them would be settled in full. I tried to have them send me a letter stating this information and they said they would not that the conversation was on a recorded line and they would mark the debt as settled on my credit report once I paid. I paid the {$850.00} on XX/XX/XXXX and they still are showing that I owe {$430.00} on my credit report and the collections is still active. I have tried disputing it with XXXX and Portfolio Recovery closed the dispute with the reason being " Customer Disagrees ''. I called them and told them I need this to show settled on my credit report and they said they were going to change it and my account appears to be settled on their end. We are now in XX/XX/XXXX and this is still showing up as an active collection on my account. I need this collections removed from my credit report ASAP. This company has been lying to me for the past two months and basically made me pay the settlement amount we agreed upon, but are still reporting I owe them more when I do not. Please make them send you the recorded phone conversation so you can here them agree to the settlement of {$850.00}
Company Response: Closed with explanation

Timely Response